What is a Driver’s Abstract and When Do You Need One?

Your driving record tells a story - not just of your history on the road, but of your reliability and responsibility as a driver. In Ontario, this story is captured in a document known as a driver’s abstract. Whether you’re applying for a job that involves driving, securing auto insurance, or addressing a legal requirement, your driver’s abstract can play a pivotal role.
In this blog, we will provide an overview of a driver’s abstract, the information they contain, where to get a driver’s abstract, and situations when they might be used. We’ll also explain the different ways you can order one in Ontario so that you can be prepared when you are asked to provide a driver’s abstract. 

 

What is a Driver’s Abstract?

A driver’s abstract, or driving record, is an official document that provides a summary of your driving history, usually covering the last three years. It includes key details such as personal information, your license status, traffic violations, demerit points, and any suspensions or convictions.
For motorists, a driver’s abstract holds significant importance. Insurance providers use it to assess your risk level and determine your premiums. A clean abstract often leads to lower rates and more favourable policy options, while one with multiple infractions can result in higher costs or limited coverage choices. Beyond insurance, this record also plays a role in employment opportunities and legal matters, making it an essential document for drivers to understand and maintain.

 

What Information is on a Driver’s Abstract?

A driver’s abstract is a detailed record of your driving history and includes various types of information, such as:

• Personal Information: Your full name (as it appears on your licence), date of birth, height, address, and gender.
• Licence Details: Information about your current licence classification, status (valid, expired, suspended), the date you were first licenced, driver’s licence number, and expiry date.
• Driving History: Any traffic violations, such as speeding or parking tickets, as well as any convictions related to driving offences.
• Accidents: A record of any accidents you’ve been involved in, whether you were at fault or not.
• Demerit Points: A summary of the points assigned to your record for violations, along with the total demerit points accumulated.
• Suspensions or Restrictions: Any licence suspensions or specific restrictions (e.g., requiring corrective lenses to drive).

 

When Do I Need a Driver’s Abstract?

There are several situations where you may need a driver’s abstract. Here are some of the most common instances where you might need one:

• Job applications: Employers often prioritize candidates with spotless records. If you are applying for a job where you will regularly be on the road (i.e. truck driver, sales job, or bus driver), your driver’s abstract can help demonstrate that you’re safe and reliable. 
• Insurance purposes: Insurance providers often review your driver’s abstract when determining your premium. Whether you’re speaking with a broker or renewing your policy, your driving history is a key factor in evaluating your risk level.
• Legal matters: A driver’s abstract may be required in certain legal situations, such as traffic court cases or disputes involving accidents. The information included can be crucial in resolving legal disputes or satisfying court requirements related to driving offences.

 

Who Can Access Your Driver’s Abstract?

While your driver’s abstract is considered personal information, there are specific situations where others may request access:
Insurance Companies: To evaluate your driving history and set your personalized rate.
Employers: Particularly for jobs involving driving, employers may request an abstract to ensure you meet their safety standards.
Legal Professionals: Your abstract may be used as evidence in some legal matters, such as traffic disputes or liability claims.

 

Why Your Driving Record Matters

Your driving record is a reflection of your habits and reliability as a driver, and it has a significant influence on various aspects of your life. Whether you have a clean record or one with infractions, it can affect your financial well-being, employment opportunities, and personal reputation.
A good driving record not only keeps your insurance premiums manageable but also ensures greater opportunities and fewer complications in your daily life. Maintaining good driving habits, such as obeying traffic rules, avoiding distractions, and staying sober behind the wheel, is essential for preserving a positive record. A clean driving abstract not only saves money but also opens doors to more job opportunities and minimizes legal headaches, making responsible driving an invaluable investment in your future.

 

How to Get a Driver’s Abstract in Ontario

Obtaining a driver’s abstract is straightforward and can be done in person, online, or by mail through the Ministry of Transportation (MTO). In Ontario, drivers can choose between certified and uncertified driver’s abstracts. The key distinction between a certified and uncertified driver’s abstract in Ontario lies in the official validation: certified abstracts include an embossed seal from the Ministry of Transportation, while uncertified ones do not.
 

Uncertified Abstracts
Uncertified abstracts are the most commonly requested type and are sufficient for everyday needs, such as securing a job or obtaining car insurance.
 

Certified Abstracts
Certified abstracts are typically required for formal legal purposes, such as presenting evidence in court to contest a careless driving charge. 

Ordering Online

To get a driver’s abstract online:

1. Enter the requested information, including your driver’s licence number or RIN.
2. Complete payment using a credit card.
3. Download and save your record (for uncertified abstracts). Certified records ordered online are processed within 15 business days and mailed to your address.

In Person

Driver’s abstracts can be requested in person by completing the following steps:

1. Visit your nearest ServiceOntario location.
2. Pay using cash, debit, credit, certified cheque, or money order.
3. Uncertified records are provided immediately, while certified records take up to 15 business days to process and are sent by mail.

By Mail

To request your abstract by mail:

1. Download and complete the Record Search Application Form.
2. Mail the completed form to the MTO.
3. Payment can be made via credit card, personal cheque, or money order.
4. Processing will take up to 15 business days, after which the record is sent via mail.

 

How Much is a Driver’s Abstract?

Driver’s abstracts are not only essential but also highly affordable, making it easy for individuals to access this important document. An uncertified abstract costs just $12, while a certified abstract is priced at $18. This affordability ensures that obtaining a driver’s abstract is accessible for everyone, whether it's for personal, professional, or legal needs.

 

Get a Car Insurance Quote Today with BIG

As you can see, your driving record plays a significant role in many aspects of life. At Billyard Insurance Group (BIG), our team of insurance experts is committed to finding you the best coverage at a competitive price. 
Whether you're a seasoned driver or just starting out, we work with trusted providers to ensure your unique needs are met. Contact a BIG broker today for a personalized car insurance quote and experience the BIG difference.