G license co-driver

by Sara
(Toronto, Ontario)

I have a G license and insurance on my own car. My mother's car has a different insurance policy. I was wondering whether it would be permissible for me to drive my mother's car while she is in the vehicle, though I am not listed as a co-driver on her policy. If not, should I become listed?


Driving Mom's Car


Hi Sara
You can drive your mom's car, with her permission. And she can drive yours, with your permission.

Any insured vehicle owner in Ontario can loan their car to a licensed driver. Problems occur if there is a claim ... the insured is responsible for the driver who they loan the car to. So if you drive your mom's car and have an accident, her rates would go up.

If you are driving your moms car on a regular basis, you should be listed on her policy. And if you live with her, you should each inform your insurers of this.

Hope thats all clear and helpful.

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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