Can You Drive Someone Else's Car in Ontario?
If you’ve ever wondered if you can drive your friend’s car in Ontario, this is a common question we get asked — and it’s a good one too! Whether you need to borrow someone else’s vehicle or lend out your own, it’s essential to comply with the law and understand auto insurance’s rules and implications. In this post, we answer some frequently asked questions to ensure you have the knowledge you need to borrow or lend your vehicle safely.
Can you Drive a Car Under Someone Else’s Insurance?
Yes, you can drive someone else’s car in Ontario. When they lend you their vehicle, they also lend you their insurance coverage. As long as you have permission, a valid license, and drive responsibly, you can borrow it.
If you frequently drive someone’s vehicle, it’s a good idea to be added as an occasional or secondary driver on their policy; otherwise, insurers may deny coverage in case of a claim.
Who Can Drive my Car Under my Insurance in Ontario?
Your auto insurance will cover someone else if:
- They have your explicit permission.
- They have a valid license. Keep in mind that Ontario has a graduated licensing system, so ensure their classifications allow them to operate your vehicle.
- They are not an excluded driver on your policy.
- They drive responsibly.
- They do not use your car for illegal activities.
- They adhere to the rules of your policy agreement.
Who’s Responsible for an Accident?
If you drive someone else’s car in Ontario and get into an accident, you’re both held responsible. For example, say your friend lends you their car, and there’s a collision:
- Your friend’s insurance will cover it. They will need to file a claim, which will show on their record.
- You will be listed as the driver involved in the accident. This could impact your premiums if you’re shopping for auto coverage or your current insurance company performs a check.
It’s important to note that if the accident claim exceeds your friend’s coverage, you’ll be responsible for paying the excess amount yourself. You can get extended auto insurance coverage with an umbrella policy to protect you from paying this outstanding amount out of pocket.
When Am I Not Covered Through Someone Else’s Insurance?
While, in most cases, you can drive your friend’s car in Ontario, their insurance may not cover you for the following reasons:
- If you’re driving under the influence
- If you’re an excluded driver on their policy
- If you never received permission
- If you don’t have a valid license
When in Doubt, Talk to Your Broker
At Rowat Insurance, we’re here to answer your questions and help you understand the ins and outs of auto insurance — we know it can be confusing at times! If you frequently borrow or lend a car, need additional coverage, or are simply on the hunt for a new policy, our team is here to help. Contact us today so we can help you find the right policies and rates to suit your unique needs.