Driving without insurance

[darkmagician]

I got my license recently, and i want to drive my dads car. But the insurance company is stalling to quote me. So can i still drive my dads car without probably having insurance?

[Bytown]

I got my license recently, and i want to drive my dads car. But the insurance company is stalling to quote me. So can i still drive my dads car without probably having insurance?

Does you dad want to get sued.

[shabby]

Do you want to be beaten up by your dad?

[SoNgMaN]

go ahead, just don't kill anyone, hit anything or get caught.

cause if you did, you'd never get the quote from the ins company

[yao416]

You shoulda ask me

I drive my dad's car, (I dont got insurance) As long the car have insurance itself, you can drive it.

[goffeebeans]

I got my license recently, and i want to drive my dads car. But the insurance company is stalling to quote me. So can i still drive my dads car without probably having insurance?

when you say you just got your license, do you mean your G1? or your full license? Drive his car as in once or twice? or whenever its free?

Though you really should check with your insurer.

I tried looking up some information on the web, heres what I found. Perhaps somebody more knowledgeable can correct it or verify it.
It is the vehicle that is insured, not the drivers. From what I gather, that doesnt necessarily mean your properly covered under your parents policy for those vehicles. Their insurance rates are based only on them being the drivers of the vehicles and now that you've become licensed it should be disclosed to the insurance company. I wouldn't drive the car cause if anything happens whats stopping your company from refusing to cover or cancel your parent's insurance for lack of disclosure. It's like you're not disclosing the fact that theres a high risk driver in order to get lower rates based solely on your parents being the drivers.

I personally wouldn't take Yao's advice. Not even for finding lacoste polos, even though we spoonfed him the information. You should double/triple check with your insurer. Theres also an insurance thread somebody made, which you can ask there too.

[yao416]

when you say you just got your license, do you mean your G1? or your full license? Drive his car as in once or twice? or whenever its free?

Though you really should check with your insurer.

I tried looking up some information on the web, heres what I found. Perhaps somebody more knowledgeable can correct it or verify it.
It is the vehicle that is insured, not the drivers. From what I gather, that doesnt necessarily mean your properly covered under your parents policy for those vehicles. Their insurance rates are based only on them being the drivers of the vehicles and now that you've become licensed it should be disclosed to the insurance company. I wouldn't drive the car cause if anything happens whats stopping your company from refusing to cover or cancel your parent's insurance for lack of disclosure. It's like you're not disclosing the fact that theres a high risk driver in order to get lower rates based solely on your parents being the drivers.

I personally wouldn't take Yao's advice. Not even for finding lacoste polos, even though we spoonfed him the information. You should double/triple check with your insurer. Theres also an insurance thread somebody made, which you can ask there too.

nice long essay but please if you dont know sh*t about insurance please shut the **** up.

[M.D.]

nice long essay but please if you dont know sh*t about insurance please shut the **** up.

wow...thats childish..didn't we all tell you that you need to be covered by insurance to be driving legally with g2?
your dad's car is covered because it was meant for him, not you, not your mother or your dog.
pay the insurance or run the risk of getting caught and suspended

[bobbings]

your dad's insurance policy should cover others who drive the car temporarily. if you were to get into an accident, the company should still cover you but in terms of the record, it might mess it up? correct me if i'm wrong

[yao416]

wow...thats childish..didn't we all tell you that you need to be covered by insurance to be driving legally with g2?
your dad's car is covered because it was meant for him, not you, not your mother or your dog.
pay the insurance or run the risk of getting caught and suspended

Well guess what kid,
I got pullover once and got asked for insurance
And guess what,,, nothing happen

So please if you dont know anything about insurance please

shhhhhhhhhh

[patrob]

Do you want to be beaten up by your dad?

Good one

[goffeebeans]

nice long essay but please if you dont know sh*t about insurance please shut the **** up.

What credentials do you have that make you an expert? Im simply posting information that someone should look into with an AGENT to ensure that they're truly covered under their parent's policy. You indirectly claim to have expertise in insurance, yet provide no reasoning or facts to back up your claims.

Well guess what kid,
I got pullover once and got asked for insurance
And guess what,,, nothing happen

So please if you dont know anything about insurance please

shhhhhhhhhh

The cop only checks to see whether THE CAR is insured .
Before you start telling people to STFU, realize that were talking about different things.
You're talking about driving an insured car, while im talking about making an INSURANCE CLAIM.

What im talking about is whether or not the insurance company is going to DENY your accident claim for a unlisted/undisclosed person who drives the vehicle all the time. And/or if the insurance company is gonna cancel the policy for nondisclosure when they find out. So difference is, whether you're actually covered or if the insurance company is gonna sue you for their expenses related to the accident.

Now if your example was, you got into an accident driving your dad's car and were not disclosed on the insurance policy and made a claim and everything went smoothly.. then that would shed more light on the situation.

If your insurance company already knows you have your license and may possibly drive the vehicle, then your dad is likely to already pay a premium for you, unless he specifically noted to them that you werent driving his vehicle.
Theres no piece of paper listing your name on the insurance, just the policy holder. So when you say, I dont have insurance.. are you referring to you have no insurance slip specifically listing you OR do you mean you have no insurance period as in the insurance company has no idea you exist or that you've signed something saying that you wont drive the car and hence won't be covered.

[7ofu]

Yao, you're an idiot. You don't even have facts to back up what you're saying. All you have is bad english.

[CSK'sMom]

To begin with what license did you just get? If it was your G1 there is no need to specifically add you to your parents policy but the insurance company should be notified. You don't have to be added specifically as a driver because you cannot drive without a licensed driver in the vehicle along with the other restrictions. If it's your G2 that you just got, you do need to be added as an occasional driver to your parents policy. There will be an increase in premiums but not too bad. It's low enough that anyone with a part time job could easily pay the difference in premium. Full G will raise the premium even further.

We just went through all of this today with our agent...

[TrevorK]

In Alberta we are required to report if there will be any under 25 year old drivers who may drive our car. If so, our rates are increased.