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How To Do A Vehicle Ownership Transfer in Ontario & Insurance Requirements

How To Do A Vehicle Ownership Transfer in Ontario & Insurance Requirements | KBD Insurance
Curtis Killen

As president of KBD, Curtis aims to simplify insurance for his clients. He’s helped lead KBD to become one of Canada’s fastest 400 growing companies according to the Globe & Mail.

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Curious about vehicle ownership transfer in Ontario and how it impacts your insurance? Whether you’re a seasoned driver or a first-time car owner, understanding this process is crucial to staying in good standing with your insurer.

By following the right steps when transferring the ownership of a vehicle, you can rest easy knowing your insurance will remain in good standing.

Here, we’re explaining everything you need to know about transferring ownership in Ontario and its implications for your insurance coverage.

Stay informed and make sure your vehicle is properly insured throughout the transfer process.

Let’s get into it.

Click ahead to find what you need:

Registration Requirements:

Insurance Requirements:

What makes me the owner of a vehicle in Ontario?

So, you’re looking to buy a car in Ontario?

Being considered the owner of a vehicle in Ontario means having the correct documentation for the car, and understanding the legal and administrative requirements of the province.

Steps to vehicle registration and ownership documents:

  • Vehicle registration: The first step is to ensure your vehicle is registered in your name through the Ontario Ministry of Transportation (MTO).
  • Vehicle ownership document (Title): Keep a valid vehicle ownership document issued by the MTO to serve as proof of ownership.
  • Transfer of ownership: Upon purchasing a vehicle, the seller must transfer ownership to you through a legally recognized process. This includes obtaining the used vehicle information package, signed Bill of Sale, Application for Transfer, and checking that the vehicle meets safety requirements. Visit for the full list of requirements for transfer whether you are the buyer or seller.
  • Payment of applicable fees: Pay all necessary fees associated with vehicle registration and ownership transfer to complete your ownership rights.

Ensuring Proper Documentation

  • Bill of sale: Obtain a Bill of Sale from the seller in order to provide legal documentation of the vehicle transaction.
  • Verification of vehicle identification number (VIN): Confirm that the VIN is accurate on the ownership document and on the vehicle itself for proper registration.
  • Verification of seller’s identity: Validating the seller’s identity and ensuring they have the legal right to transfer ownership is imperative.
  • Compliance with provincial regulations: Adhering to all provincial regulations regarding vehicle ownership and registration is necessary to avoid legal complications.
  • Update the vehicle ownership status with your insurer: If you purchase a new vehicle, ensure that you also update your car insurance provider – whether you need to purchase a new policy, cancel your policy if you’re selling, or simply update your file.

Need car insurance in Ontario?

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How do I transfer ownership of a car in Ontario?

Transferring ownership of a car in Ontario involves a series of steps to ensure legal compliance and a smooth transition of ownership.

There’s also a few key things you should know about your car insurance when transferring.

Ownership Transfer Process:

  • Complete the transfer forms: Obtain the Application for Transfer (Form 30) from ServiceOntario, and complete all required sections accurately.
  • Submission of documents: Submit the completed transfer forms, along with the original vehicle ownership document to a ServiceOntario center.
  • Payment of transfer fee: Pay the applicable transfer fee to ServiceOntario to process the ownership transfer.
  • Verification of identity: Provide valid identification to confirm your identity during the ownership transfer process.
  • Acknowledgment of transfer: Once the transfer is processed, you will receive a new vehicle ownership document reflecting your name as the rightful owner.
  • Update insurance and registration: Make sure to inform your insurance provider of the vehicle transfer, and update your vehicle registration to reflect the new ownership details.

Navigating the vehicle ownership transfer process in Ontario requires attention to detail, adherence to provincial regulations, and timely submission of required documents.

By following these guidelines, you can successfully transfer ownership of a car in Ontario and enjoy the rights and responsibilities of vehicle ownership in the province.

Need vehicle insurance in Ontario?

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How long do you have to register a used vehicle in Ontario?

Registering a used vehicle in Ontario is a crucial step in the ownership transfer process, and it must be completed within a specified timeframe.

Registration timeline for used vehicles:

  • Within six days of purchase: According to Ontario regulations, you must register a used vehicle within six days of the purchase date or transfer of ownership.
  • Penalties for late registration: Failure to register your used vehicle within the stipulated time frame may result in penalties, fines, and potential legal consequences.
  • Importance of timely registration: Registering your vehicle promptly ensures compliance with provincial laws, enables access to essential services such as insurance coverage, and protects your rights as the new owner.
  • Registration process: To register a used vehicle in Ontario, visit a ServiceOntario center with the necessary documentation, including the vehicle ownership document, safety standards certificate (if applicable), proof of insurance, and valid identification.
  • ServiceOntario assistance: ServiceOntario provides assistance and guidance throughout the vehicle registration process, ensuring that all requirements are met efficiently and accurately.

Can a car be registered to two people?

Yes, registering a car jointly to two individuals is possible.

This means shared ownership and responsibilities for the vehicle.

Here’s what you need to know about registering a car to multiple people:

  • Joint vehicle registration: Ontario allows for joint registration, where two or more individuals can be listed as owners of the same vehicle.
  • Equal ownership rights: Joint registrants share equal ownership rights and responsibilities concerning the vehicle, including legal and financial obligations.
  • Registration requirements: To register a car jointly, all parties must be present during the registration process and provide necessary documentation, including proof of identity, vehicle ownership, and insurance.
  • Considerations for joint registration: Joint registration is advisable for individuals who share ownership and usage of the vehicle, such as spouses, family members, or business partners.
  • Shared financial liability: It’s important to note that each joint owner assumes financial liability for the vehicle, including any outstanding debts, fines, or damages associated with its operation.

Do I need insurance to transfer vehicle ownership in Ontario?

When transferring vehicle ownership in Ontario, it’s important to ensure proper insurance coverage to comply with provincial regulations and safeguard against liabilities.

Here’s what you need to know:

  • Insurance requirements: In Ontario, it’s mandatory to have insurance coverage before driving any vehicle. This requirement applies not only to driving but also to the ownership transfer process. If you’re purchasing a vehicle second-hand, you’re required to be insured the second you leave the buyer’s driveway.
  • Insurance for vehicle ownership transfer: To transfer vehicle ownership in Ontario, you’ll need to present proof of insurance coverage for the vehicle. Insurance is necessary to protect all parties involved in the ownership transfer from potential risks.
  • Securing insurance before transfer: Before initiating the transfer process, ensure that you have valid insurance coverage for the vehicle. Contact your insurance provider to update or transfer the policy to reflect the change in ownership.
  • Importance of insurance verification: Insurance verification is typically required by the Ontario Ministry of Transportation (MTO) during the ownership transfer process.

Failing to provide proof of insurance may delay or hinder the transfer procedure.

Steps to transfer ownership with insurance:

  • Obtain insurance coverage for the vehicle.
  • Complete the necessary paperwork for the ownership transfer.
  • Present proof of insurance to the MTO when transferring ownership.

Ensuring proper insurance coverage is a crucial step when transferring vehicle ownership in Ontario.

By complying with insurance requirements, you can facilitate a smooth transfer process while protecting yourself and others from potential liabilities – and remaining in good standing with your insurer.

Do you need insurance to register a vehicle in Ontario?

Short answer – yes. In order to legally drive a vehicle in Ontario, it needs to be insured.

Read our full guide on whether you can register a vehicle without insurance here.

Can someone else insure my car if the title is under my name in Ontario?

The owner of the vehicle must have their name listed on the insurance policy.

Insurance companies require the policyholder to match the registered owner of the vehicle.

This scenario may arise in situations where the vehicle is used by another individual, such as a family member or friend.

In these cases, the additional driver should also be listed on the policy.

The key is to ensure that the insurance policy accurately reflects the primary driver and usage of the vehicle.

Be sure to ask about any specific arrangements with your insurance provider to confirm coverage details.

Need car insurance in Ontario?

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There are several key steps to take when transferring vehicle ownership in Ontario.

From completing the necessary paperwork to ensuring all fees are settled, and making sure you’re insurance is up to date is essential.

Have questions about your car insurance?

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