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Is my car covered if someone else is driving it?

Yes, in most circumstances it is, as long as the driver:

  • Is legally entitled to drive the vehicle and is using it with your permission
  • Hasn't committed an offence under Canada's Criminal Code while operating your vehicle
  • Doesn't use your vehicle for one of the uses prohibited in your policy (for example, no racing)
  • Is not specifically excluded from driving your vehicle

If they have an accident while driving your vehicle, they'll need to present your proof of insurance. It's a good idea to make sure they have this available before borrowing your vehicle. Accordingly, if they have an accident while driving your vehicle, it will affect your policy.

It is important to keep in mind that this applies only for infrequent use. If a driver is borrowing your car on a regular basis, they should be listed as an occasional driver on your policy.

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You can also contact our support team at 1.844.568.2049

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