Check who may drive
Ask your insurer how occasional and regular drivers are handled and whether household members must be listed. Confirm licensing, permission and any policy exclusions. If someone borrows the car frequently, provide accurate information rather than relying on a one-time answer for occasional use.
Think about the claim consequence
Ask what deductible applies and whose claim history may be affected if a borrower crashes. Keep vehicle documents accessible and know how to report an incident. Provincial public coverage and private-policy terms differ, so get the relevant insurer's answer for your policy.
An occasional borrower becomes regular
A friend borrowing your car once and a housemate driving it every week are different situations to disclose. Ask the insurer when a person must be added as a regular driver. Confirm the person is licensed and check what happens to the deductible and claim record if an accident occurs.
Quick check
- Confirm driver eligibility
- Read exclusions
- Ask about claim reporting
General educational content, reviewed September 28, 2026. Rules, availability and policy wording can change. Confirm current details with the linked authority or a licensed insurer or broker.