Am I obligated to get insurance under these conditions?

by Sebastian
(Caledon, Ontario, Canada)

My parents both own and pay insurance for multiple vehicles. I am interested in driving one of these vehicles on rare occasion (safe roads).
Do I need to purchase my own individual driver's insurance to legally drive this car: alone, with the owner present, with any insured, full G (Or less?) driver present.

Also, I know people who have assumed an answer to my above question, in their favor of course. Is it unlawful to drive an insured vehicle, with the owner's (parent's) permission, but without their own driver's insurance? If yes, what should I tell them the punishment is for such action.

A side question. If I call my insurance company to ask for a quote, are they obligated to automatically write me down as a part time driver, and charge me without question?

Thank you for the time taken to read my question.

Sebastian

Parents Insurance

Hi Sebastien
Thank you for your question. If you live with your parents you are supposed to be listed on their policy. You can't buy your own policy unless you own a vehicle, you just get listed on the car you drive the most.

If you aren't listed on a policy where you live and you have a claim, you risk having the claim denied due to misrepresentation. This can be extremely costly at the time of the claim and for many years after.

To answer your last question, once the insurer knows that you are in the house, they will insist on listing you right away.

Hope that helps.

By the way, are your rates too high? Check here:

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