What is proof of insurance (pink card)?
A pink wallet-sized card issued by an insurer that documents a driver's current auto liability insurance coverage and must be carried in the vehicle at all times under Ontario law.
In Ontario, the proof of insurance card (commonly called the pink card because of its distinctive colour) is a wallet-sized document that your insurer provides when you purchase auto liability coverage. It records your policy number, coverage limits, policy period, and the names of both the insured driver and vehicle owner.
The card serves as immediate proof that you have active insurance, which is legally required in Ontario. Under the Insurance Act, every driver must carry valid proof of insurance at all times while operating a vehicle on public roads. If a police officer pulls you over or arrives at an accident scene, they will ask to see this card along with your driver's license and vehicle registration. Failure to produce it can result in a fine, even if you are insured.
Beyond legal compliance, the pink card contains practical information you may need after an accident, such as your insurer's 24-hour claims phone number. Some insurers now also provide digital proof of insurance through mobile apps, which Ontario recognizes as equivalent to the physical card. However, carrying the actual card remains the most straightforward way to satisfy an officer's request without needing to access your phone.
When you renew your policy or switch to a different insurer, you receive a new card for that coverage year. It is important to replace an expired card with the updated version to avoid penalties during traffic stops.
If you need an auto insurance policy and proof of insurance card, local Ontario auto insurance providers can set you up quickly.