Granddaughter as occasional driver


(Ontario, Canada)

My 16 year old granddaughter stays with me weekdays during the school year but her address is still her mother's home. She occasionally drives my car when here but uses her mother's when there. She is presently an occasional driver on her mother's policy. Does this cover her if she is in an accident driving my car? My insurance company gave me a rather confusing explanation and I still don't know if she is protected.


Grand daughter as Occassional Driver on Auto Insurance


Hi there,

My best piece of advice is always to get the answer from your licensed insurance representative at the insurance company where you have auto insurance coverage. But you have tried that and are confused still. (It would be good to get clarification on that from them).

If she drives your car on a regular basis she should be listed on your policy. But many industry professionals feel that people need not be listed on two policies.

If she does not drive the car on a regular basis she does not need to be listed. when you lend your car to a properly licensed driver you also lend your auto insurance coverage to that driver.

Sorry that I am not giving you a more certain answer. Please be sure to discuss this further with a licensed insurance representative.

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

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

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