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Ask Anne-Marie: What Happens If My Son Drives My Car?

May 31, 2019

A young man drives a car with his dad watching on

Every week we’ll highlight the best question sent to our resident insurance expert, Anne Marie. Thomas. This week’s question comes from Jamie, who wants to know how to manage multiple drivers and multiple policies in his home.

“My son is currently insured under my wife’s vehicle only can he drive my vehicle with his G2 license?” asks Jamie.

It’s a common problem among Canadian households. With multiple vehicles in the house, and new drivers coming on board, exactly who can drive what and still be covered is a source of angst for parents and new drivers alike.

But Anne Marie has good news.

“As long as your son has your permission to drive your vehicle he will be covered under your auto insurance policy.” she says.

Generally, when you lend your vehicle to licensed drivers they are covered under your vehicle’s policy. You do need to inform the insurance company is another person is regularly driving your car, however. Transparency is always the best plan when dealing with any insurer.

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Ask the Expert. Anne Marie Answers

Ask The Expert

At InsuranceHotline.com, we get tons of questions from our customers on a range of insurance issues. Follow our Ask the Expert series featuring resident insurance expert Anne Marie Thomas as she answers your most frequently asked insurance questions. Do you have a question about your policy, coverage, or anything else? Ask Anne Marie by using the hashtag #AskAnneMarie and posting your question to our Facebook or Twitter page. Or email us at contactus@insurancehotline.com. Your question could be answered in our next #AskAnneMarie video.