In New Brunswick, there is no option to exclude drivers from an insurance policy, as there is in Nova Scotia or Newfoundland and Labrador. Insurance companies are legally allowed to ask for all names of licensed operators in your home. They are also legally allowed to charge premiums according to the risk associated with each licensed driver in your home with access to your car.
The reason for the risk classification is if your wife drove your car for any reason, “with your consent,” and had an at-fault accident, causing injuries and property damage to any third party, the policy would pay for all third-party injuries/damages.
Because of this, insurers must know of all the licensed drivers in your household with access to your car as well as licensed drivers who regularly drive your car, even if they don’t live with you. Insurers need to know exactly who they are insuring and what the associated risks might be.