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Does My Auto Insurance Policy Cover Someone Else Driving My Car?
- Does my insurance policy cover someone else who drives my car?
- Generally speaking, your own insurance policy should cover damage to your vehicle even when someone else is driving it, as long the driver:
- Is licensed to drive in Canada
- Has your permission (verbal or written) to drive your vehicle
- Sticks to the rules outlined in your policy (e.g., if your policy covers personal use, your cousin can’t borrow your car for his pizza delivery gig)
- Doesn’t participate in illegal activities while using your vehicle (e.g., street racing or drinking and driving)
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