In Ontario, insurance coverage typically follows the vehicle rather than the driver.

If you lend your car to someone who doesn’t have their own policy, your policy still applies as long as they have a valid driver’s license and your permission to drive.

However:

• If the person is unlicensed or excluded from your policy, your coverage may be voided or restricted.

• You, as the owner, could be held financially responsible for any accidents or damages that occur.

Always confirm that anyone borrowing your vehicle is legally licensed and meets any conditions of your insurance policy.