insurance for familymember

by Lulu
(Woodbridge)

Does a licensed family member who doesn't and will not drive the car need insurance just because he lives in the same household?

Family Members and Car Insurance

This is quite a common concern, thanks for asking!

Automobile insurance companies insist on knowing about every person residing in the household who has a license. Ontario car insurance companies want an opportunity to review every driver in the house. This is because they believe that in most cases all drivers will drive all vehicles.

So yes, in most cases, all drivers need to be listed on the policy. Unless they have coverage elsewhere or they are specifically excluded from the policy.

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