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Ontario's Ministry of Transportation (MTO) has rules affecting varying vehicle weights and driver’s licence classes, and so do insurance companies. The qualifications for insurance acceptance and classification, and those of the Ministry of Transportation’s requirements are not equal.
As your insurance broker we know what insurance is required to insure a vehicle with a gross vehicle weight (GVW) over 4,500 kg prior to you purchasing or leasing it.
If the gross vehicle weight on your vehicle ownership is registered more than 4,500 kg, then the insurance rating and qualification is impacted. The GVW of a truck, attached trailer and the potential load combined often exceeds 4,500 kg.
Standard market insurers generally require that only verified experienced drivers with good driving records operate heavy vehicles.
To confirm the experience of a driver, the following items are required:
- A Commerical Vehicle Driver's Report (CVDR) from the MTO.
- Experience Letters from prior insurers and/or employers showing heavy-class vehicle driving experience of a driver.
If you would like a driver, whether an employee or not, to operate a heavy-rated vehicle, experience letters from the driver's/employee’s prior employer and/or the employer’s insurance company are an important requirement and are not usually readily available.
In addition, before you allow a driver to operate any of your vehicles that are capable of causing injuries and property damage to others for which you may be liable, review their driving record and insurance experience, and contact your insurance broker.
Licenced drivers in Ontario can obtain their own Motor Vehicle Report (Driver’s Abstract) and CVDR from the MTO for nominal charges.