Zero2Turbo
    Facebook Twitter Instagram
    Facebook Twitter Instagram RSS
    Zero2Turbo
    • Home
    • Contact
    • Videos
      Featured

      New Lamborghini Countach Gets Lowering Kit and Aftermarket Wheels

      By Zero2TurboJanuary 31, 2023
      Recent

      New Lamborghini Countach Gets Lowering Kit and Aftermarket Wheels

      January 31, 2023

      Aston Martin Reveals Most Powerful DBS Ever The DBS 770 Ultimate

      January 18, 2023

      Hennessey Reveal Track-Focused 1,817 HP (1,355 kW) Venom F5 Revolution

      January 9, 2023
    • South Africa
    • Zero2Turbo Telegram
    Zero2Turbo
    Home»Zero2Turbo»A Guide To Car Insurance For Borrowed Cars In Ontario
    Zero2Turbo

    A Guide To Car Insurance For Borrowed Cars In Ontario

    By Zero2TurboJuly 3, 2022Updated:July 12, 2022No Comments
    Facebook Email Twitter LinkedIn Telegram WhatsApp
    Share
    Facebook Email Twitter LinkedIn WhatsApp Telegram

    Are friends or family members insured if an accident occurs while they’re using your car? Well, you may be thinking if anyone in Ontario with a valid license and active auto insurance could even drive your car without violating any regulations or contracts in the first place. However, when you let someone else drive your vehicle, there are a few things to keep in mind.  

    Before the driver pulls out of the driveway, here’s what you should know if you let anyone drive your vehicle.  

    Can You Drive A Vehicle That’s Insured By Someone Else?  

    Insurance only protects the car, not the driver. If you don’t have one, you can’t lawfully drive in the province.  

    You may use someone else’s vehicle if you hold an active license in the jurisdiction. To use it, you must have authorization and drive properly. If you have a friend or family member that uses your vehicle regularly, you can use a car insurance calculator Ontario-based to calculate how much it would cost you to add an irregular driver and what are the benefits of doing so. You may be charged with significant misrepresentation if you deceive your insurance and fail to disclose this information.  

    Remember that if you receive a speeding ticket or are spotted stunt racing in their car, authorities will take the owner’s proof of insurance, but the fine will appear on your record. 

    In Ontario, Who Is Legally Allowed To Drive My Car?  

    Because it is attached to the VIN, you might lead your car to those who are not covered by your coverage in certain instances. Consider the following before lending your vehicle:  

    • Is the driver legally permitted to drive in Canada?  
    • Do they provide verbal or written documentation to back it up?  
    • Will they follow the terms of your insurance agreements?  
    • Are they engaging in unlawful acts while utilizing your vehicle?  

    Always think about the individual to whom you are borrowing your vehicle before handing over the keys. Allowing a buddy to use your car to relocate one day vs allowing your partner to drive to work regularly necessitates different commitments and protection.  

    What Occurs If I Am Involved In A Collision While Driving Someone Else’s Vehicle?  

    If anybody uses your car and has an accident, your insurance company will cover the damages as long as the driver has specific authorization to use it. It’s crucial to remember that when you lend someone your automobile, they are borrowing your clean driving record. Use your discretion if they are a bad driver.  

    Insures will pay automobile insurance claims stemming from an accident caused by someone else driving – they do not require their own policy. As an uninsured person, you are only covered up to the insurance limits of the automobile owner. It will cover the drivers’ damages and physical harm.  

    Bear in mind that Ontario has a graded licensing process, and based on what sort of license you have and if you violate any of those restrictions, you may have your claim dismissed and your charges raised.  

    When Is Someone Else’s Insurance Not Going To Cover Me?  

    There are various situations when you will not be insured if you use someone else’s automobile. This would include the following:  

    • Driving while intoxicated: If you are driving while impaired or high, you would not be insured for any damages and will be punished.  
    • You are a prohibited driver: You will not be covered if the owner deliberately named you as a prohibited driver and you continue to use their car.  
    • You were never given permission: If the holder can establish that you were not permitted to drive their car, you must pay for any damages.  
    • You do not have a valid license: Driving without a valid license may result in legal consequences.  

    If you live with a roommate or family member, you must inform your insurance if they drive and use their own insurance.  

    What Exactly Is Non-Owner Insurance?  

    There are methods to alter and supplement current insurance to provide the same level of protection if you use leased automobiles, ridesharing services, or rental cars. OPCF 27 (non-owner coverage) is an insurance add-on. This is a sort of liability coverage that exclusively protects the driver.  

    Non-owner insurance might be advantageous. For example, suppose you go to see a friend out of town and borrow their automobile, and there is an incident. If the damages exceed their coverage limitations, the non-owner insurance companies cover the difference. You would then have to pay for it anyway.  

    If you use a corporate car for work purposes or are named on the insurance of anyone you reside with, you do not require non-owner insurance.  

    Final Words  

    If you’ve found yourself wondering if you need insurance when driving someone else’s car, now you know that insurance coverage depends on the vehicle’s policyholder. If you have particular questions about what is covered, it’s best to contact your provider.

    Share. Facebook Email Twitter LinkedIn WhatsApp Telegram
    Previous ArticleSigns Your Car Has Exhaust Problems
    Next Article 10 Factors To Consider To Find The Right Car Model For You

    Related Posts

    738 HP (550 kW) BMW XM Red Label Has Registered For Pikes Peak Hill Climb

    February 3, 2023

    McLaren 750S Will Be Their Last Non-Hybrid Supercar

    February 2, 2023

    Ferrari Has Filed A Patent For Performance Boosting Gas Thrusters

    February 2, 2023

    Scared to Drive? 4 Tips to Get Used to Driving on the Road

    February 2, 2023

    New Report Suggests Mercedes Going To Axe 19 Bodystyles Including AMG GT 4-Door Coupé

    February 2, 2023

    Bugatti Chiron Profilée Becomes Most Expensive New Car Ever Sold At Auction

    February 2, 2023

    Leave A Reply Cancel Reply

    Popular Posts
    • Next Mercedes-AMG E63 Set To Drop V8 For Straight-Six Hybrid
    • New Lamborghini Countach Gets Lowering Kit and Aftermarket Wheels
    • Audi South Africa Expands EV Charging Network Including First 200 kW Ultra-Fast Charger
    • One-Off Bugatti Chiron Profilée Heads To Auction This Week
    • Lamborghini Aventador Successor Gets Superb Looking Render

    Latest Instagram Photos
    • The Audi RS3 is one of two ultimate ‘mega hatches’, and probably the best of the breed. Its astonishing pace and theatrical engine combine with huge grip and more of a driver focus than previous generations. It’s also a brilliant daily.

Are you parting with R1.3m (or more) for one? Let us know in the comments below.

#ExoticSpotSA #Zero2Turbo #SouthAfrica #Z2TDriven #Audi #RS3Sportback #AudiRS3Sportback 

Are you parting with R1.3m (or more)?
    • Menacing Frozen Brooklyn Grey Metallic BMW M4 CSL sold by @bmwbryanston spotted in Linksfield recently by @thomasovitale 😎

Just 15 of these came into the country priced at R3.57m.

Would you prefer this or the freshly revealed M3 CS?

#ExoticSpotSA #Zero2Turbo #SouthAfrica #BMW #M4CSL #FrozenBrooklynGreyMetallic
    • The BMW i4 M50 is quite possibly the best EV we have had the pleasure of testing.

It's superbly comfortable but at the simple touch of a button, it switches from tourer to tornado and you find yourself instantly doing speeds you should not be doing.

While not all EVs will have the same refinement or scintillating performance, this was both relaxing and thrilling to drive.

The Gran Coupé is a handsome car with a sense of sleek length and disguises its hatchback as a booted saloon rear end and that M Portimao Blue metallic paint certainly garnered a lot of positive attention.

Compared with the BMW iX it’s less of a show-stopper, but comes with a much more attractive price tag – and while the i4 is still quite the financial investment (R1,6m) we feel it gives you excellent value in return.

Yes, we did have a few charging issues (Eskom) and if you don't have a Wallbox charger at home filling up with petrol is MUCH easier. However, that being said if you’re looking for an outstanding driving experience both on the twisties and on the highway, this is definitely worth considering if you have decided to make the jump to the electric car.

#ExoticSpotSA #Zero2Turbo #SouthAfrica #BMW #i4M50 #Z2TDriven #BMWi4M50
    • The totally bonkers Ferrari 812 Competizione was spotted in Bryanston today by Brad Ainge.

It actually makes the F12tdf look quite tame in comparison. Which would you rather have?

Priced around R14m depending on spec.

#ExoticSpotSA #Zero2Turbo #SouthAfrica #Ferrari #812Comp
    • Welcome the Mercedes-AMG EQE 43 4MATIC to SA 🇿🇦

Front and rear motors delivering 350 kW and 858 Nm of torque for a 100km/h sprint in 4.2s and a WLTP range of up to 535km.

Pricing is estimated to be R2,200,000.

#ExoticSpotSA #Zero2Turbo #SouthAfrica #MercedesAMG #EQE43
    • Our time has come to an end with the most potent version of Mzansi’s favourite bakkie, the new Toyota Hilux GR-Sport.

The 2.8-litre turbo diesel powerplant has been tweaked to push out 165kW and 550 Nm thanks to an updated ECU which also responsible for the much needed revised mapping of the six-speed auto.

The sporty Hilux gets new monotube shocks as well as stiffer coil springs which make the bakkie a lot more settled at higher speed and provide great feedback on some of the twisty bits. If you don’t have a full load at the back however, you might find it a tad too stiff and rather twitchy for day to day driving. 

Inside you get a load of sporty touches including “carbon fibre” trim pieces but the highlight has to be the race inspired front seats complete with Alcantara inserts and some GR badging on the headrests. 

For the Hilux customers, this is a welcome addition to the range as the exterior and interior aesthetics align very neatly with the GR brand.

Yours from R891,400. Are you picking this or the Legend RS?

#Z2TDriven #Toyota #HiluxGRSport #Hilux #GRSport

    Follow Us

    Facebook Twitter Instagram YouTube RSS
    Designed by Zero2Turbo.

    Type above and press Enter to search. Press Esc to cancel.