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Tips for Drivers to Avoid the Risks of Driving Unlicensed or Uninsured

February 22, 2012

PRESS RELEASE: February 23, 2012 – Driving without a license or without insurance are a bigger risk than many people think, and InsuranceHotline.com provides the important facts every driver should know about being legal on the road. A valid driver’s license and proof of insurance might be simply a pieces of paper, but they are also the important legal documents than ensure every car on the road is being driven by a tested and financially responsible person who meets every provincial requirement for road safety. Hitting the road without these is illegal and a big risk for everyone.

It is required by law in every province that any driver who gets behind the wheel of a car must meet the legal requirements. This means they must hold a valid driver’s license and carry insurance that meets the minimum coverage required by provincial law. Driving without one or the other may seem like a minor thing, but InsuranceHotline.com wants drivers to know that if caught, they will face very serious consequences.

Driving Without a License

No matter what the reason is for a driver not having a valid license, there is no excuse for being on the road without it. This is among the more serious offences according to the Highway Safety Act. Anyone who drives without a license is endangering the lives of the others on the road because, according to the law, they aren’t qualified to be behind the wheel. A driver cannot be on the road in any of these circumstances:

  • The driver has never been licensed
  • The driver’s license has been suspended
  • The driver’s license is expired
  • The driver is on a graduated licensing system and does not have the required fully licensed driver in the vehicle.

Making the decision to get behind the wheel knowing that the legal requirements are not met is a major offence. The potential consequences of being caught driving without a license depend on the province where the offense takes place and the circumstances but include:

  • Impoundment of the vehicle, regardless of who owns it
  • Receiving a ticket accompanied by a fine
  • Cost of any towing and impound fees
  • Increases in your insurance rates

It is also important to note that if an unlicensed driver is behind the wheel when an accident occurs, a car insurance company may refuse to pay the claim. “Having a license is a part of your contractual agreement with the insurance company,” reminds InsuranceHotline.com’s Tammy Ezer, “and if you break that contract they may consider it void and refuse coverage.”

Driving Without Insurance

The legal requirement for insurance coverage on every vehicle that enters a Canadian road is in place to ensure that everyone is financially responsible for their actions. Driving without insurance is a dangerous proposition that could leave a driver facing some serious consequences, not the least of which is being held responsible for the cost of all repairs and medical bills. Other consequences include:

  • Receiving a ticket and accompanying fine
  • Increased insurance rates
  • Demerit points on your license

There is a difference between driving uninsured and failure to provide proof of insurance. A driver who does have auto insurance but is unable to produce proof when stopped by law enforcement may still face a fine, but it will be less serious than if the driver is actually uninsured.

Drivers should never get behind the wheel without a valid license and the required insurance policy. Be sure when lending a vehicle that the driver is licensed, and remember that insurance follows the vehicle; if an accident occurs the owner of the vehicle will be held responsible for damages. Staying legal on the road is the best way to go.

  • http://www.insurancehotline.com/ InsuranceHotline.com


    There may or may not be coverage in the event of an accident. The parent may have to charge the child with theft.

    Thank you

  • christine

    what happens if a 17 year old, who is not licensed, is allowed by her friend to drive his parent’s car with him in it and she gets caught by the police or has an accident and there are damages to the car or someone is hurt?

  • http://www.insurancehotline.com/ InsuranceHotline.com


    With most insurance companies there would be no coverage for damage to the vehicle as a result of an accident.
    Depending on what city you live in It is also possible that the driver of the vehicle as well as the owner of the vehicle will be held personally responsible for the payment of any damages or injuries.

    thank you

  • Vipul Sehrawat

    Currently I am not insured under any policy as I was considered as a high risk driver.

    My question is that: could I still drive an insured vehicle with a permission from the owner of that vehicle?

    For example, can I drive my friends car with his permission?


  • http://www.insurancehotline.com/ InsuranceHotline.com

    yes you will be covered under their policy but remember if you have an at fault accident while driving their vehicle, they may see an increase in their insurance.

  • Mike

    Hi, I am an insured driver. I borrowed my friend’s car that is not insured. I got in an accident due to weather condition. I didn’t get any ticket. The car is damaged. Would my own insurance cover any cost associated with this accident since this car doesn’t have insurance?

  • josh

    What is happens if im driving and i forgot my licence at home and i get pulled over

  • disqus_PrDoQTprMZ

    So I made a bad decision a couple months ago I was layed off my insurance was the one that suffered and today I was in accident 100% the other drivers fault my wife and child suffered minor injurys and my car is totaled. .any idea what is going to happen

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