Can you drive someone else’s car in Ontario? The answer to this question is not as straightforward as one might think. In fact, the rules around driving other people’s cars vary from province to province. Plus, there are many technicalities attached to it. Like if you go on adding several members of your family as occasional drivers, this will also increase your monthly premium. So what to do in such a scenario.
This article will explore who can drive your car in Ontario, what to do if you need to lend your car to a friend or family member, and what happens if there is an accident while someone else is driving your vehicle. We will also look at the benefits of non-owner insurance for drivers who don’t own a car themselves.
Table of Contents
Can You Drive Someone Else’s Car in Ontario?
Yes, you can drive someone else’s car in the province of Ontario as long as you have the proper insurance coverage. If you do not have insurance coverage, you will not be able to drive someone else’s car. It is important to always check with your insurance company to see what exactly your policy covers.
Who Can Drive My Car Under My Insurance Policy in Ontario?
You may be wondering who can drive your car under your insurance policy. The answer to this question depends on several factors, including the type of insurance coverage you have and the rules of your particular insurance company.
- Most insurance policies will allow anyone listed on the policy to drive the insured vehicle.
- However, some restrictions may be placed on new drivers or those with less experience.
- For example, your insurance company may require that new drivers complete a certain amount of supervised driving before they are allowed to drive alone.
- Additionally, some insurance companies place restrictions on who can drive your car if you rent it out or lend it to someone else.
Generally speaking, anyone can drive your car under your insurance if the following conditions are fulfilled:
- If the driver has a valid driver’s license to drive in Canada.
- The driver is not under any insurance bans. You may check their insurance claims history to ensure this.
- If they have your permission to drive the car. This permission can be verbal or written.
- If they agree to abide by the rules of your insurance policy.
- If they are not impaired by drugs or alcohol.
- If they don’t indulge in any illegal activities while driving your car.
- If they use your car regularly, they must be listed as a secondary driver on your insurance policy.
What Things Must You Keep in Mind Before Lending Your Car?
Before you lend your car to someone, you should keep a few things in mind.
1. Make sure that the person is insured under the non-owner coverage policy. If they’re not, you could be held liable for any damages that occur while they’re driving your car.
2. Consider whether or not the person is a good driver. If they have a history of accidents or speeding tickets, it’s probably not best to lend them your car.
3. Make sure you trust the person. If you don’t feel comfortable lending them your car, don’t do it.
4. Be sure to go over the loan rules with the person. Make sure they understand that they are responsible for any damages that occur while the car is in their possession.
5. Have a conversation about what happens if the person gets into an accident. Who will be responsible for paying the deductible?
6. Make sure you have all the necessary paperwork before you lend your car to someone. This includes your vehicle insurance information and registration.
7. Be sure to communicate with the person you’re lending your car to. Keep in touch with them while they have your car to ensure everything is going smoothly.
Lending your car to someone can be a risky proposition. Be sure to keep these things in mind before you do it.
Will Someone else’s Car Insurance Policy Cover You in Case an Accident Occurs? Under What Conditions?
If you live in Ontario and borrow or rent a car, you may be covered by the basic auto insurance policy of the person who owns the car. If you have your own automobile insurance policy, it will usually cover you regardless of whose car you are driving, but check with your insurance company first to be sure.
It is important to remember that:
- Even if you have your own car’s insurance policy, it is still a good idea to check with the owner of the car you are planning to drive to make sure that their policy will cover you in case of an accident.
- In general, if you are involved in an accident while driving a car that is not yours, the owner’s insurance policy will be the primary coverage.
- Your own insurance would then act as secondary coverage. However, there are some situations where this would not be the case.
- If the accident occurs while driving a commercial vehicle, such as a taxi or limousine, the commercial policy would likely be the primary coverage.
The insurance will not cover you only under the following circumstances:
1. You don’t have a valid driving licence:
If you’re caught driving without a valid licence, the owner’s insurance policy will be void. Make sure you have the proper documentation before getting behind the wheel.
2. You’re driving under the influence of drugs or alcohol:
Driving while impaired is never covered by an insurance policy—even if it’s your own.
3. You don’t have the permission to drive the car:
If you’re caught driving a car that you don’t have the owner’s permission to drive, the insurance will not cover you.
4. You’re listed as an excluded driver:
If the owner of the car you’re driving has listed you as an excluded driver on their insurance policy, you will not be covered.
5. You’re driving for a criminal purpose:
If you use your car to commit a crime, the owner’s insurance company can refuse to pay out any claims resulting from that criminal act.
6. The accident occurs outside of Canada:
Most policies only cover accidents that happen within Canada. If you’re planning on driving in another country. Ask the owner of the car or insurer to see if you’re covered and, if so, for how long.
What Will Happen if Someone Driving Your Car Gets a Traffic Ticket in Ontario?
If you’re driving someone else’s car on Ontario and you get a traffic ticket, be mindful of certain things:
- If you get a traffic ticket while driving someone else’s car in Ontario, the vehicle owner will be notified.
- Although the police will accept the owner’s proof of insurance but the person driving the car is responsible for paying the fine.
- The same goes for the driving record as well. Any violations will go on the driving record of the person driving the car.
So if you’re driving someone else’s car, make sure you’re aware of the rules and regulations in Ontario to avoid any costly traffic tickets.
Can Someone Else Drive Your Car Without Insurance?
Driving without insurance can have three possible meanings in this scenario. Let us see each one of those:
1. The car is not insured altogether:
If the car you are driving is not insured at all, then it is illegal to drive in Ontario. Penalties for this could include a fine of $5,000 and possible jail time if a conviction happens. The car can also be impounded for up to several days.
2. The driver is not insured:
In this case, as long as the car you are driving is insured, you will be covered under the insurance policy. However, if the driver does not have their own insurance coverage, they may be liable to pay extra damages (not covered by the owner’s insurance policy).
3. The driver isn’t carrying proof of insurance:
In this case, someone else cannot drive your car without insurance in Ontario. Drivers are required to have a valid driver’s licence and insurance to operate a vehicle in this province. If you allow someone to drive your car who does not have insurance, you could be held financially responsible if they are involved in an accident.
What are the Benefits of a Non-Owner Auto Insurance Policy?
A non-owner auto insurance policy is a type of insurance coverage that provides protection for drivers who do not own a vehicle. Several benefits come with having a non-owner auto insurance policy:
- The first and foremost benefit of non-owner auto insurance is that it can provide you with coverage if you are involved in an accident while driving someone else’s car.
- This type of policy can benefit those who drive rental cars or borrow cars from others regularly.
- Another benefit is that it can help you save money on your monthly premiums. Non-owner auto insurance policies typically have lower premiums than traditional auto insurance policies, making them an affordable option for many drivers.
- If the other driver’s insurance does not cover the full extent of the damages, your non-owner policy will kick in and help pay for the repairs or medical bills.
- This type of policy can also be beneficial if you have a poor driving record or are considered a high-risk driver.
Since non-owner policies do not require drivers to have their own car, they may be willing to insure those who might not otherwise be able to get coverage. If you are considering a non-owner auto insurance policy, talk to your insurance agent to see if it is right for you.
Now that you know the ins and outs of driving someone else’s car in Ontario, you can decide whether or not it is right for you. If you choose to drive someone else’s car, be sure to follow the tips above to avoid penalties or fees. And remember, always carry proof of insurance with you when you’re behind the wheel. We hope you found this article helpful!
Frequently Asked Questions
What is covered by the insurance policy, the driver, or the car?
In Ontario, auto insurance policies cover both the car and the driver. Car is covered by collision coverage, and you are covered through medical coverage. This means that if you lend your car to someone and they get into an accident, your insurance policy will cover the damages.
Do I need to notify my insurance company if someone else is driving your car?
There is no need to notify your insurance company if someone else will be driving your car occasionally. They will be considered an occasional driver. However, if a family member or friend regularly borrows your car, you must list them as a secondary driver on your insurance record. This will ensure that they are covered in the event of an accident. The insurance provider may dispute your claim if you keep driving a person’s car regularly without being listed as a secondary driver.
However, as the number of secondary drivers on your insurance agreement increase, so does your car insurance rates. Therefore, it is important only to list those individuals who regularly drive your car to avoid paying higher insurance rates.
Can you use your parent’s car under their insurance policy?
Yes, you can use your parent’s car under their insurance policy as long as you are a licensed driver and listed as a secondary driver on their insurance policy. If you are not listed as a secondary driver and get into an accident, your parents’ insurance company may not cover the damages.
Is there any age restriction for borrowing a car in Ontario?
There is no age restriction for borrowing a car in Ontario. However, all drivers must be licensed and insured to operate a vehicle.