Roomate Insured on My Car

by Deb
(Brampton)

I have a roomate who occasionally drives my car. She currently does not have a car with insurance of her own. Am I covered?


Lending a car to An Insurer


Your insurer would likely prefer that your room mate be listed on your policy. If she's not, and has an accident, you might have problems at time of claim. But they would very likely pay out a claim because you are allowed to loan out your car, and your insurance. The real risk is that after they pay the claim they cancel your policy due to misrepresentation (because you neglected to inform them of the occassional driver). A cancellation for misrepresentation leads to very high rates for several years with just about any insurer.

Sorry to ramble, but it's important to give an overview of the what ifs. One last scenario, when you lend your car, any at fault accidents affect your rates as if you had the accident.

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.

www.canada-insurance-source.com

Click here to post comments

Join in and write your own page! It's easy to do. How? Simply click here to return to Your Ontario Auto Insurance Questions.

Note: Always speak with a licensed insurance professional about your specific situation. 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.

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

Compare insurance quotes through Kanetix.ca - save time and money!