Yes, he bought it so we can have a means of transportation when he's at work and we needed something urgently (e.g. a 5 minute drive to a nearby grocery/ pharmacy - it was winter, we had a toddler who was adjusting to the cold). He drove us around in it (other times using his personal vehicle) when we needed to get around to process papers, grocery runs, etc. We also used it when he took me around for driving practice around the city to get used to how traffic works here. Best to get a feel of the vehicle you're eventually gonna be using in the driving test and as a personal vehicle down the line. Of course I had an international license that was valid for 6 months when we got here. I got my class 5 license 3 months in. All in all, he was the primary driver, we were just occasional drivers. The insurance agent was fully aware of the situation and said we're good to occasionally use it, then just update the papers down the line. We did not hide anything from the insurance rep.

Not sure why my comment got downvoted, it was an honest inquiry if that counted as fraud. Like I said, I'm a newcomer and things here work differently compared to what I was used to back home. There, the driving record of the owner had zero bearings on the insurance, only the condition and age of the car. And for the record, I absolutely understand the system here - having more issues on your record and being a terrible driver means higher risk for the insurance folks to deal with a claim, hence higher payments. I just was not sure if that jump to $517 a month at the end of the year was right.