Can you drive your parents car without being on the insurance in Ontario?

So, can you drive your mom and dad’s car in Ontario without being on their insurance? That’s a tricky one, huh? I mean, I remember when I first got my license – I was so excited to borrow my dad’s beat-up Corolla. He’d always grumble, but secretly, I think he liked showing me off. Anyway…

Technically, yes, you can drive their car if you have your own license, they give you permission, and of course, the car itself is properly insured. It’s all about that “permission” thing, right? Makes sense. But here’s the kicker – and this is where things get a little messy.

If you, like me, live at home with your folks, most insurance companies are going to want your name on their policy. It’s just how they roll. My parents found this out the hard way. My brother, bless his heart, borrowed Dad’s truck without telling anyone and…well, let’s just say there was a fender bender involving a mailbox and a very grumpy neighbor. Suddenly, the insurance company was very interested in who was driving their insured vehicle! They didn’t exactly throw a party when they found out he wasn’t listed, you know? It was a whole thing. A stressful, expensive, “I told you so” kind of thing.

So, while you might get away with it, it’s probably not worth the risk. I mean, what if something happens? It’s way better to be safe than sorry, right? Plus, it’s probably just easier to add you to their policy. Just sayin’.