Car Insurance When Loaning a Car.

yes

If he's not the same address as you he can just drive it and loan both the car and your insurance without needing to add him. Please correct me if I'm wrong.

profile wrote: ↑ Loaning a vehicle to our son who lives in another town for the winter ( 3-4 months) as his has died.
Can we just add him as a driver on our policy? He has been licensed for > 22 years.
We want to make sure we do it right and are all fully covered/insured.

This is a material change in risk. Report this to your insurance agent/broker or company as the vehicle will have a different principal operator. You should also inform them that the vehicle will also be based in a different town.

Yes, it’s all explained here: https://www.icbc.com/FAQ/Pages/Lending-a-Vehicle.aspx

Call your broker or insurer

Kiraly wrote: ↑ Yes, it’s all explained here: https://www.icbc.com/FAQ/Pages/Lending-a-Vehicle.aspx

Wow, thanks Kiraly for the website.
I learned a lot, like an accident by another driver in your car will no longer be attributed to your driving record/insurance etc.
Thanks for sharing the information, much appreciated.

profile wrote: ↑ Wow, thanks Kiraly for the website.
I learned a lot, like an accident by another driver in your car will no longer be attributed to your driving record/insurance etc.
Thanks for sharing the information, much appreciated.

Not sure where you live, but that link is for BC residents.
You can lend out your car to someone that doesn't live in your household, but it's not meant to be a regular thing. If your son is driving your car for 3-4 months straight, you should put him on your insurance for that time period.

Shaner wrote: ↑ Not sure where you live, but that link is for BC residents.
You can lend out your car to someone that doesn't live in your household, but it's not meant to be a regular thing. If your son is driving your car for 3-4 months straight, you should put him on your insurance for that time period.

I am in Ontario so thank you for pointing that out to me. I didn't notice the website was for BC.
Yes, I will phone the insurance company and have him listed as a driver.
Driving without proper coverage is a reckless thing to do.

CanadianConsumerYEG wrote: ↑ If he's not the same address as you he can just drive it and loan both the car and your insurance without needing to add him. Please correct me if I'm wrong.

You are wrong, possibly depending on jurisdiction. Here in Alberta and I believe in Ontario, occasional use would be ok. But as others have mentioned, if you’re doing it for a significant period of time, you need to add them. It doesn’t even mean it will cost any more, depending on their driving record. But you’re better off finding out they’ve had a DUI before you hand over your keys, rather than after. As an example.

There was a thread in here not that long ago where a father found out that his son’s license had been suspended after he lent his car to his son and there was either an accident or ticket.

C

profile wrote: ↑ I am in Ontario so thank you for pointing that out to me. I didn't notice the website was for BC.

Ontario!? Well when you are located in some faraway province like that you should say so :P

You need to advise your insurance provider of the change in risk (driver) and the garaged location