Is it ok to drive my mom's car even not listed in policy

by Adelle
(Toronto, Ontario Canada)

I lived with my parents and they have 3 cars. I am moving to my college residency soon. Can I drive their car occasionally even if I am not listed in the policy as a primary driver?

My mom currently listed me as primary driver in one of the cars for 2 months (and costs is so high) but since I am moving to school, she will take my name out of the insurance policy. I am 20 years old and holds a G2.
My primary address is still my parents.
Thanks

Occasional Driver and Insurance


Hi Adelle,
The best thing to do is to report the exact situation to your insurer. The last thing you want is to omit information and have it come back to haunt you due to a claim (i.e. if you are not on the policy and it turns out you should have been - or even worse, you have one of the cars with you while away at school)

Insurers are dealing with a lot of misrepresentation and it would not be a surprise if they started to take a hard line on it.

Some insurers have special rating for your situation. So it is well worth reporting.

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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