The respondent insurer brought a preliminary issue motion to determine whether the applicant was insured to drive his newly purchased motorcycle at the time of the accident.
The applicant had purchased the motorcycle 11 days prior to the accident but had not notified the insurer, who did not underwrite motorcycle insurance.
The Tribunal found that under section 2.2.1 of the Ontario Automobile Policy (OAP 1), the applicant was automatically covered for 14 days after acquiring the additional vehicle.
As the accident occurred on the 11th day, the applicant had insurance coverage and was not precluded from receiving statutory accident benefits.
