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Borrow a Car Guide: Who can Drive your Car under your Insurance?

Though, it’s important to make sure whoever is borrowing your vehicle is responsible enough and has a valid driver’s license. Let the guest driver know where they can find the car registration and proof of insurance in your car. Establish any rules for borrowing the car such as no eating in the car, no racing and no one else driving the car. Make sure your car is in good shape before handing over the keys. You don’t want the borrower to run into any difficulties while driving your car.  

What happens if they get into an accident with your car?

If they cause a collision when driving your car, they most likely will be asked to show proof of your insurance. The accident could increase your insurance premium. It will be your insurance and not the borrower’s, which will make the claim and might have to pay for any damages to the car itself. You will be penalised as an unsafe driver, despite you not actually being the driver at the time. Remember: insurance follows the car.

What if someone borrows your car regularly?

If someone borrows your car on a regular basis, they should be included as an occasional driver on your insurance policy. You shouldn’t let someone borrow your vehicle on regular basis without naming them on your policy. If an occasional driver isn’t listed on your policy and they get into a collision, an accident claim could be denied because you didn’t disclose all the drivers who frequently drive the car. With Desjardins Insurance, you can simply add a driver online with Online Services.

What if you want to borrow someone’s car?

If you are planning to borrow a trusted relative or friend’s car, it’s important to have the same discussion as if they were borrowing your car. Double check the car is insured to make sure you don’t get stuck with the bill and legal charges if a collision happens. Ask if their insurance policy includes province-mandated liability insurance (covers the other driver’s medical costs and vehicle damage) as well as collision and comprehensive coverages.

When you let someone borrow your car, it means you’re letting them borrow your insurance. If someone asks to borrow your car, make sure they understand the responsibilities that come with it. If you’d like more information about borrowing cars and insurance policies, you can contact one of our agents.

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