Ask Anne Marie: Can I Drive a Family Member's Vehicle Who Lives in Another Province with My Ontario Driver's Licence?

Here’s a question sent to our resident insurance expert, Anne Marie Thomas.

This question comes from Dkyrtata, who inquires how an auto insurance policy applies when driving a relative’s vehicle who lives in another province. Dkyrtata asks:

Are there additional risks or implications when I drive my brother's car who lives in Quebec while I have an Ontario driver’s licence?”

Whenever you loan your vehicle to a family member or friend, you are also lending your insurance policy. Insurance goes with the car, not the driver, so when you’re behind the wheel of a friend’s or relative’s car, it’s usually their insurance that will be first in line to pay a claim.

Anne Marie explains:

As long as your licence is valid and you have your brother's permission to drive his vehicle, you are covered under his policy. However, if you are involved in an at-fault accident, your brother could see his car insurance premium increase.”

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