Speeding on friend's insurance

by Robin
(Ottawa, Ontario )

I am a fully licensed Ontario driver. I just got a ticket for driving 72 km/h in a 50 km/hr zone but the officer marked it down to 20km/hr over. This is my first ticket in 12 years.


I borrowed the car from my friend and am not listed on his insurance. Are his insurance rates likely to go up? He had one at fault accident with a moving violation ticket last year and his insurance went up by $1000 this year as a result.

Speeding While Driving Friends Car


Hi Robin
Great question. This should not affect your friends rates as the ticket is tied to your drivers license. It will affect your rates if you have auto insurance.

If you were charged with stunt driving (50km over) or DUI, then the car could have been seized. Which would have been a big problem for your friend.

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

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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.

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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

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