Who can drive my car under my insurance in Ontario?

Car insurance in Ontario allows others to drive your vehicle. The person driving your car must have your permission along with a valid licence. They must also be using your car legally (not for stunt driving, for example).

Sharing your car means you’re also sharing your insurance. In most cases, if someone other than you as the car’s owner (or another driver named on the policy) gets into an at-fault collision, your insurance policy will cover the damage, not theirs.

And one last thing to remember – if you lend your car to someone and they get into an accident, your premium will likely go up at renewal. If you are concerned about your premium going up, there are things you can do to prevent it. When it comes to lending your car, however, the most important thing is to be sure the person borrowing it is a safe driver.