Are you covered under your parents car insurance?

If you live with your parents, whether you’ve just started driving or you’ve moved back in with them, and you’re going to start using their vehicles, you should be added to their car insurance. But, this means you’re fully covered under your parents’ policy for as long as you live with them.

Do you need insurance to drive with your parents?

Can I drive my parents’ car without insurance? You must be properly insured if you drive on the public road, no matter how short the distance, even if your parents have given their permission for you to drive the car, and even if they have their own insurance policy covering the vehicle.

Are family members covered on auto insurance?

Generally, your immediate family members who live under the same roof as you are protected under your auto insurance policy. This means that your spouse, children, and siblings are all covered if they use your car, so long as they have a valid driver’s license.

Does everyone in the household have to be on car insurance?

Yes, everyone in your household should normally be listed on your car insurance policy. You need to disclose all household members when applying for car insurance. If your children do not live with you, but still occasionally drive your vehicles, you will need to inform your car insurance company.

Can I drive my mom’s car?

Yes you can, no you should not and neither should your parents drive an uninsured car. Remember the car is insured not the individual. With the owners permission and you properly licensed, you can drive any car. Before you do be assured with paperwork that the car is properly registered and insured.

Can Kids drive parents car?

Generally speaking, your parents can allow you to drive their car under their insurance as long as you don’t live in their house without adding you as a driver. If you DO live in their house, you are NOT covered under their policy just because it says that licensed drivers they give permission to are covered.

Can I teach my daughter to drive in my car?

You can learn to drive with anyone you want, provided that your chosen mentor is at least 21 or older and has held a full licence for a minimum of three years. If you feel comfortable with one of your parents in the passenger seat, you’re probably wondering what car insurance you’ll need.

Can you drive another person’s car?

Can I drive my partner’s car? Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy.

Do all drivers in a household have to be insured Ontario?

Ontario law requires that all motorists have auto insurance. Fines for vehicle owners, lessees, and drivers who do not carry valid auto insurance can range from $5,000 to $50,000. If you are found driving without valid auto insurance, you can have your driver’s licence suspended and your vehicle impounded.

Can I add someone to my car insurance that doesn’t live with me?

No, you cannot add someone who doesn’t live with you to your car insurance in most cases. But car insurance companies may deny the claim if they decide that driver should have been listed on your policy because they live with you or had regular access to the car.

Can you let someone else drive your car?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. So if you lend your car to your best friend, your sister or even your second cousin, your insurance is most often the insurance that will pay in the event of an accident.