Does Expired Registration Affect Car Insurance?

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Is My Car Insurance Valid If My Registration Expires?

registration

If you had your registration expire on you, you might be wondering if your car insurance is still valid. Car insurance and registration are two completely different things. However, these are definitely two things that are interlinked. It is impossible to get a new license sticker unless you have proof that your policy is still valid. Therefore, if you asked this question because you’re curious if you can register your vehicle license plate or not without insurance, you have your answer. However, if you asked this question for other reasons, you might want to continue reading.

Vehicle registration renewal

Depending on where you live in Canada, you might have a different cost for renewing your vehicle registration. Normally, vehicle registration must be done every year or two depending on how much you pay up front. The nice thing is, your license plate will expire on your birth date, which means it is extremely easy to remember. You can either renew your registration at your local service center or you can renew your license plate sticker online. Renewing online is very easy to do. Simply log in before your plate expires and pay to have your sticker renewed.

What is a vehicle permit number?

A vehicle permit number is sometimes called a registrant identification number. This number is a 15-digit driver’s license number or a nine-digit number that can be given to you. The number is essentially something that identifies you and allows you to be able to make vehicle transactions. You don’t necessarily have to have a driver’s license to be able to conduct vehicle transactions. In fact, you can register a vehicle in your own name without having a driver’s license. You can get a registrant identification number or a vehicle permit number at your local service center.

Can someone else renew my license plate sticker?

license plate

Generally speaking, you cannot renew someone else’s license plate sticker for them. There is a spot on the registration renewal sheet that is specifically for the vehicle owner to sign. It is not recommended to attempt to have someone register your license plate sticker for you. You don’t want your insurance company to question something like this in the event an accident occurs. You’re much better off waiting until the owner of the vehicle has the time to be able to do the renewal themselves. Now that you can do this renewal online, it should not take very long. There are always plenty of service centers as well that you can visit if you need any help.

Is my car insurance still valid?

If you happen to get your registration taken away from you, you might not be covered by insurance. There are a variety of things that can revoke vehicle registration. Things like a lack of continuous car insurance, driving without a license etc. are all things that you’re going to want to avoid if you want to be able to register vehicles. Getting into further detail, your car insurance might not be valid depending on where you live. If you happen to live in an area with government-run insurance, these areas consider registration as proof of insurance. If you don’t have your license plate in these areas, you run the risk of not being covered by your insurance company if you get into an accident. These government-run insurance provinces Include: British Columbia, Manitoba, and Saskatchewan.

Does expired sticker ticket affect insurance?

If you are wondering whether an expired license plate affects your insurance, it really depends on where you live. If you live in Canada, you can receive an expired sticker ticket and not have your insurance impacted. Insurance companies tend not to list this type of violation on your record. This is because insurance companies almost always consider this to be a minor violation. Renewing your sticker has nothing to do with how you drive your vehicle and insurance companies to realize this. A driver who has forgotten to renew their license plate registration is generally no higher of a risk to an insurance company. However, in Ontario, if you forget to carry your license or your vehicle liability card (pink slip) with you, your insurance premium can be affected.

How do I know if I need a drive clean test?

mail

When your vehicle license is due for renewal, you will receive a notification in the mail that lets you know that your vehicle needs a drive clean test. It is important to realize that if your vehicle needs a drive clean test in the upcoming year, you can only renew your registration for one year. Once you get the drive clean test done, you can choose to renew for one or two years.

Driving with a temporary sticker

After registering your vehicle, you will be given a temporary sticker to attach to your vehicle’s plate. Temporary license plate stickers should be attached onto the upper right-hand corner of your license plate. Temporary stickers are valid for 10 days after the issue date. It is extremely important to make sure that you attach this onto your license plate otherwise, your registration will not be valid. Once the 10 days has expired, and your vehicle has been proved safe, your regular license plate sticker will be given to you. You can then replace the temporary sticker with the regular license plate sticker.

To Conclude

If you have an issue with your registration, you should get in contact with your local service center. If that doesn’t solve the problem, you should get in touch with your insurance provider. It is extremely important to make sure that you have valid coverage on your vehicle at all times. To make sure of this, you need to make sure you talk to someone and solve your problem as soon as possible. Driving without a proper license or registration can not only cause you to get a ticket, it can also mean that you will be paying out-of-pocket in the event connection occurs. You don’t want that to happen, which is why you should be extremely careful and make sure that you get your issues solved as soon as possible.

Resources:

https://beta.theglobeandmail.com/globe-drive/culture/commuting/what-is-the-penalty-for-not-renewing-plate-stickers/article33915771/

https://www.ontario.ca/page/renew-licence-plate-sticker

http://www.carinsurance.com/kb/does-expired-registration-void-policy