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Ask a Broker

Who can drive my car and who is covered?

If you let another person drive your vehicle, they will be covered under your car insurance policy; however, there are a few important details to clarify.

“You are free to lend your vehicle to whom you see fit and they would be covered by your insurance policy. It would be your responsibility to confirm they are qualified to drive, it is not a routine occurrence and they are using it solely for personal use,” advises Omar Assaf, BrokerLink broker.

“As well, consent is typically implied, which means you must give explicit notice to anyone who you would not like to drive your vehicle. We also recommend you give your broker a call and advise if there may be an instance where this can occur.”

Minor instances where someone may need to move your vehicle, such as a passenger in a parked car, are generally covered by implied consent and no action is required by you to ensure they have coverage. This also applies to family and friends who may be visiting for a short period.

In addition, the person borrowing your vehicle must be a licensed driver in their own home province, state or country. “The driver must carry a valid license when driving your car,” adds Omar. Also, when allowing someone to borrow your car, you have a legal obligation to make sure they are not impaired. Not only do you want to ensure the safety of the borrower, but also those sharing the road with them. You could be personally liable for damages if the person driving your car is impaired.

As Omar points out, “it’s important to understand your policy and what coverage you have.” If you have any questions about your insurance, contact your BrokerLink broker to learn out more. “As a broker, it’s our job to help you find the best policy to fit your needs.”


  1. Emily

    This question is regarding my granddaughter (age 20) who has had a valid BC drivers license for four years. She resides in BC but attends University in Guelph. Last year she brought her car (actually owned by her mother) from BC but has been told she can no longer have BC plates and insurance this coming year in Ontario. Presently her car is stored in my garage (storage insurance from BC) When she returns in Sept and gets ON plates, can she maintain her BC drivers license? Will she be insurable here in Ontario with a BC drivers License? Can she have both an Ontario and BC drivers’ license? I am sure this is a common problem so there must be a simple solution. She resides in a student shared house while at University.

  2. Grenville

    Need to know if the ice damage to trees and shrubs would be covered under my home policy.

  3. Grace

    Yes I do have a question, our car insurance has gone up and I am wondering why. We have not had any claims so this seem a bit much. In fact our Crown had not been driven for 6 months as we were away.

  4. Katie

    Does BrokerLink require new clients to pay first an last months auto insurance upon purchase?

  5. Deanna R. Jones

    Thanks for the tips! I have a teenager who has just started driving. It’s important for me to know whether my son will be covered in my car insurance plan. It’s good to know that anyone I choose to lend my car to will be covered. Making sure that anyone who borrows my car has their license is a very good point that everyone should keep in mind.