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No Insurance, No Plate Renewal

Archived News Release

No Insurance, No Plate Renewal

McGuinty Government Improving Road Safety

Ministry of Transportation

Starting November 2010, a new system will help improve road safety by keeping uninsured vehicles off Ontario's roads.

A new electronic verification system, developed by the province and the Insurance Bureau of Canada will provide on-the-spot confirmation of valid insurance coverage during the licence plate renewal process.  The ability to check for insurance in real-time means fewer uninsured vehicles on Ontario's roads and less risk to other drivers.

In Ontario it is mandatory for all vehicles to have valid insurance coverage. Currently, drivers are required to provide proof of valid insurance when renewing their driver's licence plates.

Drivers who have insurance or vehicle-information issues in their registration information will be notified in writing approximately 120 days prior to their licence plate expiration date -- giving them time to correct or update their information.

Quick Facts

  • There are approximately 13.6 million registered passenger vehicles in Ontario.
  • All vehicles on Ontario's roads must be insured. There are tough penalties for driving without insurance:

    - A fine of up to $25,000 for a first offence

    - A fine of up to $50,000 for a second offence, and the possibility of a driver's licence suspension for up to one year.

Additional Resources


Kathleen Wynne

“Uninsured vehicles and their drivers put other road users at risk. That's why it's so important that we get them off our roads. Being able to check a driver's insurance coverage information in real-time will make it more difficult for these drivers to get on the road in the first place. The message is clear: to drive in Ontario, you must be insured - it's the law.”

Kathleen Wynne

Minister of Transportation

“Insurance Bureau of Canada and the automobile insurance industry in Ontario continue to work together with the Province to promote road safety in Ontario. IBC looks forward to the project launch in November as the next step in deterring uninsured vehicles on Ontario's roadways.”

Ralph Palumbo

Vice-President, Ontario, Insurance Bureau of Canada

Media Contacts



Driving and Roads