Can my child be covered by my insurance if child doesn't live with us?

by PG
(St-Pascal, Ontario)

My daughter has a G1 and doesn't live with us. My insurance company said that they will not cover her because she doesn't live with us. Is this common to all auto insurance companies? If it is not common, I would be willing to dump my current auto insurance provider provided the new rate was reasonable.


Related to this: Do I risk cancellations fees of some kind if I cancel before my renewal date?

Thank you

Adding Daughter to Policy


Many insurers would allow you to add her to the policy once she got her G2, especially if she drives your car on occassion. If you cancel before renewal you will not get a pro rated cancelation, it will be a short rate cancelation which is a penalty. Please be sure to discuss this further with a licensed insurance representative. And check here for quotes:

FREE Auto Insurance Quotes


Other Pages of Interest
car insurance in Ontario Canada
Car Insurance Canada
Car Insurance Quote Canada
Auto Insurance Questions

Or Ask another question at Ontario Auto Insurance Questions and Answers

Note: 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. 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. Make sure you review the "please read" page.

www.canada-insurance-source.com


Comments for Can my child be covered by my insurance if child doesn't live with us?

Average Rating starstarstarstar

Click here to add your own comments

Mar 18, 2012
Rating
starstarstarstarstar
Yes, she can be added
by: Anonymous

You can have a licensed operator covered under your insurance. If your daughter occasionally drives your vehicle with a qualifying driver such as you or your husband, she is legally licensed under the law to operate that vehicle. Exposure of operators should be listed or excluded on a policy.

There are some cases that insurance companies are not informed that the child is away at school, but are returning home, as this is their permanent residence. I would check with your broker to ensure there is not miscommunication before shopping around.

Nov 04, 2011
Rating
starstarstar
It will be difficult to get her G2
by: PG

It will be difficult for her to get her G2 if she can't practice on my car.

Reply

Agreed! It may be time to find a more accommodating insurance company

Click here to add your own comments

Join in and write your own page! It's easy to do. How? Simply click here to return to Your Ontario Auto Insurance Questions.

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

Compare insurance quotes through Kanetix.ca - save time and money!