The fine for driving without insurance is five thousand 500000 dollars plus a surcharge tax of approx.

Can someone without insurance drive my car ontario. You can safely lend your vehicle to someone without worrying about whether that person is named as a driver on your auto insurance policy if the following three conditions are met. Where there is a subsequent conviction the fine doubles each time. If someone borrows your car on a regular basis they should be included as an occasional driver on your insurance policy.

The short answer. Your auto insurance covers your car not the person driving it. The penalties for driving with no insurance in Ontario are as follows.

This is the case even if they have their own vehicle and are the primary driver on their insurance. All vehicles must be insured for third-party liability for at least 200000. For instance if you allow an out-of-town family member to drive your car to run errands she will be likely be covered by your auto insurance policy.

Listing drivers prevents this risk. Generally speaking if you know that someone asks to borrow your car on a regular basis once or twice a week for example they should likely be added as an occasional driver on your car insurance. In fact a driver cannot own an auto insurance policy in Ontario until they have a full drivers license.

If someone drives your car without your permission however that individual will likely not be covered by your policy. Things you should know about occasional drivers and insurance. A fine of between 5000 and 25000 on a first conviction a fine of between 10000.

While driving without insurance is not an offence under the Criminal Code of Canada it is a serious provincial offence. In Ontario the overarching rule is that insurance follows your vehicle not individual drivers. Youve given the person permission to drive your vehicle The person is a licensed driver legally allowed to operate a motor vehicle in Alberta.