It’s not uncommon to drive cars that are owned by other people so you can also borrow your friend’s or relative’s vehicle or even get one on rent as far as you are legally licensed to drive. However, prior to borrowing a vehicle or getting one on rent/lease, it is vital to find out whether you are covered under the car’s existing insurance policy.
A standard or regular personal or fleet car insurance policy will cover only those drivers that:
Driving a car or pickup truck for a couple of hours is different from borrowing a vehicle for a week’s time to go out for some work. It is not advisable to borrow or get a car on rent frequently as the car owner will be required to intimate the insurer about it. Withholding such information from the car’s insurance company may amount to material misrepresentation. Such an act might lead to the denial of claims or even cancellation of the policy.
Borrowing a vehicle or getting one on rent/lease is risky when you are an uncovered driver. If you meet with an accident with a borrowed or rented car, the owner-driver’s insurance cover will be in the line of action first for settling any claim even if you have purchased separate insurance separately. This way no claims bonus on the borrowed/rented vehicle’s existing insurance policy and your good driving history will be adversely impacted.
Yes. You can drive someone else’s insured car even if you don’t have your own car insurance as far as you are a Canadian National who is legally licensed to drive and meet the previously mentioned criteria.
Yes. You can drive someone else’s car if you have a valid driver’s license and the car owner has given you permission to drive the vehicle.
