Insurance for driving a friends car in Canada?
Jan 11th 2017, 4:28 pm
#16
BE Forum Addict
Thread Starter
Joined: Apr 2013
Location: London, ON
Posts: 2,485
Re: Insurance for driving a friends car in Canada?
You should be fine with it. We had a similar arrangement with my parents when we came for visits, and when we first moved to Canada. Dad called the insurance company just to double check, it was all fine. As DandNHill said, you lend your car you lend the insurance, and as dbd clarified, it's the car that's insured, not the driver. So if you get in an accident it'll be your friend that's liable for the damages and any increase in premiums, it's basically a risk he's taking by lending you the car.
He should just double check with his insurance that it's all fine.
He should just double check with his insurance that it's all fine.
Jan 11th 2017, 5:10 pm
#17
Assimilated Pauper
Joined: Mar 2005
Location: Ontario
Posts: 40,018
Re: Insurance for driving a friends car in Canada?
Note that insurers here are not much concerned with the model of a car (excluding real exotics or RHD) so you may as well have the high performance version of a car as the basic one. It's not like the UK where the model makes a huge difference to the premium.
Note also however that the base model of car will be outrageously expensive to insure so the fact that the V8 Turbo Twin-Cam version is "only" outrageously expensive + 3% is a mixed blessing.
Note also however that the base model of car will be outrageously expensive to insure so the fact that the V8 Turbo Twin-Cam version is "only" outrageously expensive + 3% is a mixed blessing.
Jan 11th 2017, 8:20 pm
#18
Joined: Sep 2008
Posts: 12,830
Re: Insurance for driving a friends car in Canada?
If there is a lawsuit for an accident and the driver and owner are separate, could well be both are named in the suit, so want to be absolutely sure anyone as a driver is covered and within the terms of the policy.
Jan 12th 2017, 1:30 pm
#19
Concierge
Joined: Jun 2011
Location: Oakville, ON, CA
Posts: 8,320
Re: Insurance for driving a friends car in Canada?
Ah good to know, thanks. 
