Occasional Driver ????

(Canada)

My Ex-Husband wants to give my 17 year old twins boys that live with me a car that is insured by him, without them being listed as drivers, he has told them to just say if stopped that they are borrowing the car.

I have said no to this as I believe this is fraud and I do not trust that he will pay the premiums even if he lists them as drivers.

I have both my sons listed as occasional drivers on my vehicle, and while it is a little costly, this will earn there own driving record with experience, and safe driving.

Can you please give me something in black and white to show my sons like the fines or consequences of doing something like this, all they see right now is that I will not allow them to have a free car at there disposal

Occassional Drivers

Hi there,
You are absolutely correct. Lying in the way that your ex is suggesting could be considered fraud. The policy could potentially be voided if there was a claim leaving you liable for any liability for property or bodily injury which can run into the millions. The car would not be repaired either in this scenario.

Even in a minor incident, if this were discovered by the insurer the policy could be cancelled which would force the kids onto high risk coverage. High risk coverage would be double to triple the current rates.

Of course it's possible that no one will ever know. But the risks are too high. And then there are the character issues of lying...

Please be sure to discuss this further with a licensed insurance representative. Oh, and by the way, are your rates too high? Check here:

FREE Auto Insurance Quotes

Other Pages of Interest
car insurance in Ontario Canada
Car Insurance Canada
Car Insurance Quote Canada
Auto Insurance Questions

Or Ask another question at Ontario Auto Insurance Questions and Answers

Note: 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. 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. Make sure you review the "please read" page.