I want to buy a car for use by my sister

by Dave
(Toronto)

I do not want to be insured for this car as I have my own car. We do not live at the same address. The car must be in my name for financial reasons but the only insurance required is for my sister.


Can this be done in Ontario?

Car Insurance for Sister


Hi Dave,
The registered owner of the vehicle must be the owner of the insurance policy. The insurance will be rated (priced) on your sisters information (ie her driving experience, vehicle use, etc). And she can be the payor. You can even take out a different policy from the one you have for your own vehicles.

The big problem for you is if she has a claim. It will very likely impact your insurance rates as you are responsible for who drives your vehicles.

Hope that helps.

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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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