Thank you Viper.... and thank you all for your invaluable insights. this has been a real journey. I have some interesting results to share with everyone.
Yep my insurance covers me for 30 days from the date of purchase on any new vehicle. even if the insurance company is not notified.
The officer though is requesting the insurance be for the specific vehicle and on that date. My insurance for my regular daily driver was in the vehicle.
here is some very interesting information though. Regulations re permits and number plates Interpretation HTA special permits (24) (j)
It appears the MTO may at their discretion issue permits at the auction & exempt.... any section any vehicle any person see below.
(24) The Lieutenant Governor in Council may make regulations respecting any matter ancillary to the provisions of this Part with respect to permits and number plates and in particular,
(a) prescribing forms for the purposes of this section and requiring their use;
(b) respecting the issuance and validation of permits and the issuance of number plates;
(c) prescribing the period of time or the method of determining the period of time during which permits shall be in force that are issued or validated for motor vehicles or trailers or any class or type of either of them;
(d) prescribing fees for the issuance, validation and replacement of permits and number plates and of evidence of validation of permits;
(e) governing the manner of displaying number plates on motor vehicles and trailers or any class or type of either of them;
(f) governing the method of validating permits and the form of and manner of affixing, displaying or showing evidence of the validation of permits on motor vehicles;
(g) respecting permits and number plates for use, on a temporary basis, on motor vehicles or trailers owned by or in the possession of,
(i) vehicle manufacturers, or
(ii) vehicle dealers,
where the vehicles are kept for sale only and prescribing conditions under which the vehicles may be operated on the highway;
(h) respecting permits and number plates for use, on a temporary basis, on motor vehicles or trailers owned by or in the possession of persons in the business of repairing, road testing, customizing, modifying or transporting vehicles where the vehicles are not kept for private use or for hire and prescribing conditions under which the vehicles may be operated on the highway;
(i) prescribing when a permit becomes valid;
(j) classifying persons and vehicles and exempting any class of person or any class of vehicle from any requirement in this Part or any regulation made under this Part and prescribing conditions for any such exemptions;
(k) requiring the surrender of number plates;
(l) classifying permits, providing for the issuing or validating of any class of permit and the requirements therefor and for the issuing of number plates and evidence of validation and the requirements therefor;
(m) prescribing requirements for the purposes of subsections 11 (3) and (4);
(n) prescribing conditions precedent or subsequent for the issuing or validating of any class of permit or number plate or the issuing of any evidence of validation;
(o) prescribing the criteria for the issuance, retention and return of a number plate bearing a requested number. R.S.O. 1990, c. H.8, s. 7 (24); 1994, c. 27, s. 138 (5); 2006, c. 33, Sched. M, s. 2 (2).