Your AutoPlus report: what every insurer sees, and how to read yours

What AutoPlus actually is

AutoPlus is the claims and policy history database the Canadian auto insurance industry runs. When you apply anywhere, the broker or insurer enters your driver's licence number and the report returns in seconds. It is the reason "I'll just switch companies" never hides a claim.

It is distinct from your driver's abstract, which comes from the Ministry of Transportation and lists convictions and demerit points. Insurers pull both. One shows what you claimed; the other shows what you were convicted of.

What's on it

• Every policy you've held, often going back decades, with the companies and dates
• Every claim — the type (collision, comprehensive, theft, bodily injury), the date, and how much was paid
• Your fault percentage on each collision
• Third-party claims made against you, including ones you may not have known about
• Cancellations and the reason — non-payment, misrepresentation, non-disclosure
• Vehicles you've insured

How to get your own copy, free

1. Fastest — the myAutoPlus appAvailable at myAutoPlus.ca. Free, and gives you immediate access to your own insurance and claims history rather than waiting for post.
2. By request from CGICGI maintains the database. Download the Consumer AutoPlus request form from their site, send it with a scanned copy of the front of your driver's licence as proof of residence. The report is mailed to the address on that licence within about 10 business days.
3. Also get your DASH reportThe Insurance Bureau of Canada provides a separate Driver and Auto Search History report. Free once a year, and worth cross-checking against AutoPlus.
4. And your driver's abstractOrdered from the Ontario government. There is a fee for the certified versions. This is the conviction record, not the claims record.

Many articles still say the only route is mail and a 10-day wait. The app route is faster — check both if you want the complete picture.

Reading it without panicking

Three things to look at, in order:

• Fault percentages. Ontario fault is always 0, 25, 50, 75 or 100. If a collision you believe was not your fault shows 50%, that is the single most expensive line on the page. Disputing a fault determination is a separate process worth understanding.
• Amounts paid. A claim you thought closed at zero showing a payment changes whether it is rateable. Query it.
• Claims you don't recognise. Duplicates of the same loss, or a third-party claim you were never told about, both happen and both are correctable.

Fixing an error — the exact route

This trips people up because the obvious move is the wrong one. You do not dispute with the database. CGI only holds what insurers report to it.

1. Contact the insurer that reported the entrySpecifically their Complaint Officer or Ombudsperson — not the general claims line. FSRA publishes a list of these officers for licensed Ontario insurers.
2. Put it in writing with evidenceState the entry, why it's wrong, and attach whatever supports you: the closing letter, correspondence showing no payment, the police or Collision Reporting Centre report, photographs.
3. Escalate if it isn't correctedThe General Insurance OmbudService reviews disputes free of charge. Errors reported through DASH can be disputed directly with the Insurance Bureau of Canada, typically processed in about 20 business days.

When to check it

• Before shopping for insurance — so you know what every quote is based on
• After any claim closes — to confirm the fault percentage and payment match what you were told
• If a renewal jumps unexpectedly — before you accept the explanation you're given
• Before a job that requires driving — some employers ask for it
• If you're moving province or country — it's your proof of insurance history

Common questions