An occasional or secondary driver is added onto the car insurance policy because they use the car once in a while.

Does insurance follow the car or driver ontario. The driver must have a Canadian drivers license You must have given the person permission to drive your vehicle. If someone borrowed your car and they are not listed as an occasional driver your insurance company will still cover the damages. Car Insurance Follows the Car.

In Ontario a friend or associate is covered under your auto insurance policy as long as they have a valid drivers license. The short answer is yes. However if your friend or associate is a regular driver of your vehicle then you should add them to your insurance policy as a listed driver.

As per law teens also have to carry active insurance with mandatory coverage level if they have to drive in Ontario. 19 rows The table below describes both mandatory and optional coverage available to Ontario. What if someone borrows your car regularly.

Generally car insurance follows the car. Fines for vehicle owners lessees and drivers who do not carry valid auto insurance can range from 5000 to 50000. Having the proper coverage is key to saving ones self in the event of accident or theft.

If someone other than the cars owner or the person named on the policy borrows the car and is involved in a collision in most cases insurance will pay for damages Of course only if the car is being driven legally. Others are covered if injured by your cars. As you progress through the licensing system your rates will decrease.

New drivers in Ontario are hitting the road all the time. If someone borrows your car on a regular basis they should be included as an occasional driver on your insurance. If you are found driving without valid auto insurance you can have your drivers licence suspended and your vehicle impounded.