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Are you covered while driving someone else’s car?

July 24, 2012

This is a common misconception. Most people assume that by driving someone else’s car, they’re covered by their insurance policy. Unfortunately, this is just not so. Whether you are in a rental car or driving a friend’s car, your insurance doesn’t necessarily follow you as a driver. Insurance goes with the car, not the driver, so when you’re behind the wheel of a friend’s car, it’s usually their insurance that will be first in line to pay a claim. As for rental cars, you can add coverage for that to your policy – but unless you do, you may not be covered for any damage to the rental vehicle.

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  • Aaron Kaus

    My spouse owns the vehicle in ontario… we are driving across Canada back home… im taking the vehicle across canada to meet them at the airport in BC… am i covered if something happens to the vehicle. .. is the vehicle covered? Does this make any sense as a question… we are traveling for a month into each province… what should we be aware of… thanks for your time

  • mumwii

    Does a licensed driver with no vehicle need insurance to borrow a car?

  • mikeIH

    Nope – you borrow the car, you borrow the insurance!

  • taylor

    If im under 25, and borrowing a vehicle, am I covered under their insurance in case of accident?

  • InsuranceHotline

    If you have a valid licence and you have permission from the owner of the vehicle then you will be covered under the owner’s policy.

  • Jacob

    So im 22 with a full G licence in Ontario. I have my own car and Insurance but if I want to borrow my sisters car while im not on her policy am i covered under her insurance

  • InsuranceHotline

    If you have your sisters permission you will be covered for the coverages she has purchased. Remember, if you have an at fault accident while driving her vehicle, she will probably see an increase in her rates.

  • Jacob Alexander Torres

    I got my licence in Ontario ,but I don’t have a car or insurance. Am I allowed to borrow someone else’s car? With their permission.

  • InsuranceHotline

    yes. but you should remember that if you get into an at fault accident while driving someone else’s vehicle the owner of the vehicle may see an increase in their insurance premiums.

  • cody hounsell

    I’m 18 in newfoundland with a full license. Can I borrow someone else’s car?

  • InsuranceHotline

    Yes but if you get into an at fault accident with their car, their insurance rates might increase as a result.

  • adam su

    Can a g2 driver drive another g2 drivers car if the car is registered and owned by them?

  • InsuranceHotline

    As long as the vehicle is insured, the registered owner can lend their car to anyone with a valid licence. A G2 is considered to be a valid licence.

  • John

    I was involved in an at-fault accident while driving my friend’s vehicle which he had insurance for. I am now filling out an online quote for my own auto insurance. I’ve come across the question “Have you made any auto claims in the last 10 years?”. Do I answer “Yes” because I was the one involved in the accident, or “No” because my friend had to claim it on his insurance?

  • InsuranceHotline

    Insurance companies want to know about your driving record so you would answer yes to this question.

  • InsuranceHotline

    Your friend should double check with their company. In Ontario, the owner of the vehicle can lend their car and their insurance will follow.

  • InsuranceHotline

    If you have your parents permission to drive their vehicle, you would be covered under their insurance policy. Remember though, if you get into an at fault accident your parent’s insurance could increase.

  • InsuranceHotline

    Since your mother may not have a licence, the vehicle can remain in her name but you would be listed as the driver. The premiums would then be based on your driving record.

  • InsuranceHotline

    It depends on what your friends insurance companies rules are for Accident Forgiveness coverage.
    You will have to declare an accident when you apply for insurance. If you do not tell the insurance company you could be denied coverage if they run your driver’s licence and they find the incident.

  • InsuranceHotline

    If your daughter has a G1 then yes, she must have a fully licenced driver in the passenger seat. If she has a full G licence and has your BFs permission to borrow it then she can drive his car alone. Remember though that if she gets into an accident that is her fault, your BF may see an increase in his insurance premium.

  • Emily

    Don’t know if you still care, but it’s whoever the car is insured under while your friend is driving. Your insurance won’t cover it until the car is covered by YOUR insurance. If your father cancels his insurance before you get yours on it, driving it is illegal. If you want your insurance to cover it, then it’s best to figure out how to transfer ownership and insurance prior to your friend picking it up.