Borrowing or Lending a Car?

Under certain circumstances, you can borrow a car without worrying about whether or not the car’s insurance names you as an occasional driver, or lend your car without worrying about whether or not the guest driver’s name is on your insurance policy.

If you are borrowing a car

• The person whose car you are borrowing must give you permission to use it.
• The use of the car cannot be part of a regular pattern, such as driving to school every day. (If you regularly borrow the same car as part of a routine, you must be listed on the owner’s insurance policy as an occasional driver.)
• You must be a licensed driver who is legally allowed to drive in the province.

If you have an accident while driving a borrowed car, the accident goes on the record of the person who has the insurance policy on the borrowed car. 

If you are lending your car

• You must consent to its use by the other driver.
• The person who borrows your car cannot be using it as part of a regular routine. If your friend uses your car every Friday to go grocery shopping, then he/she must be named on your insurance policy as an occasional driver. 
• The person to whom you lend your car must be a licensed driver who is legally allowed to drive in the province.

If the person borrowing your car has an accident while driving your car, it goes on your insurance record. When you lend your car, you are also lending your good driving record.