Adding son to policy

by Sandra
(Ottawa, Ontario Canada)

My 32 yr old son is living with us for a while. My insurance company is saying that I have to add him to the policy because he has a driver's license. Will my insurance rate increase because he is a high risk driver because of some accidents? Why should I add him to my insurance if he's not going to drive my car? How about if he has his own insurance. They say if he does, he has to provide the name and policy # of his insurance. Why should he have to do that if he has his own. I shouldn't have to add that information to my policy.


Son Who Is "High Risk Driver"



Hi Sandra

This is a common practice. One alternative you can ask about is having your son excluded from your policy (which means that legally he can drive the car). Otherwise it will have an impact on your rates, unless he has his own coverage (and you share that information with your insurer).

Please be sure to discuss this further with a licensed insurance representative. Oh, and by the way, are your rates too high? Check here:

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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

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