Car insurance without owning a car

by PH
(Toronto)

Would like to know if a driver aged 19 can insure automobile without owning a car. For instance, to be a second driver for driving other's car.


Would also like to know if a person is allowed to insure car insurance without owning a car, which insurance companies do so? Can you please give me their contact details? I am living in Toronto, Ontario.

Thank you.

PH

Car Insurance without owning a car answer

Hi PH,

To answer your second question first, you must own a car to have a car insurance policy. Otherwise you do not have an "insurable interest".

It is possible to be listed on a policy that someone else owns. For instance, if you live with someone who has a car, their insurance company would likely want to list you on the policy since there is a possibility of you driving the car. The obvious example of this is if you live with your parents or other family.

Being listed on a policy can help you build your insurance history.

Hope that helps!

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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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