Borrowing a friend’s car in Ontario can feel convenient—but many drivers don’t realize that their own car insurance may not protect them behind the wheel of someone else’s vehicle. Understanding how Ontario auto insurance works is essential to avoiding costly mistakes.

At Sun Driving Academy, we teach new and experienced drivers how to stay safe, legal, and financially protected on Ontario roads.

Insurance in Ontario Follows the Vehicle — Not the Driver

One of the biggest misconceptions among Ontario drivers is believing their personal insurance automatically covers them when borrowing a car. In reality:

• Auto insurance in Ontario is tied to the vehicle owner’s policy

• If you cause an accident, the owner’s insurance is usually responsible

• Claims can raise the owner’s premiums, not yours

This is especially important for G2 drivers and new drivers, who may not be listed on the policy.

When Insurance May NOT Cover You

Borrowing a friend’s car can lead to denied or limited coverage if:

• You are not listed or permitted on the owner’s policy

• You have a suspended, expired, or incorrect licence

• The vehicle is used for unauthorized purposes (rideshare, delivery, etc.)

• You are driving impaired or recklessly

In these situations, both the driver and the vehicle owner could face serious financial consequences.

Risks for New, G1, and G2 Drivers

New drivers face additional restrictions:

• G1 drivers cannot borrow a vehicle without a fully licensed driver

• G2 drivers may need to be added to the insurance policy

• Some insurers restrict young or inexperienced drivers

At Sun Driving Academy, we strongly advise students to confirm insurance coverage before driving any borrowed vehicle.

Who Is Liable After an Accident?

If you cause a collision while borrowing a friend’s car:

• The vehicle owner is typically liable

• The owner’s insurance handles claims and lawsuits

• Serious accidents can exceed policy limits, risking personal assets

This is why vehicle owners should be extremely cautious about who they allow to drive their car.

What to Check Before Borrowing a Friend’s Car

Before accepting the keys, always:

✅ Confirm you are allowed under their insurance
✅ Ensure your licence is valid
✅ Understand the car’s controls and safety features
✅ Drive defensively and responsibly

A few minutes of checking can prevent years of financial stress.

Learn Real-World Driving Responsibility with Sun Driving Academy

Driving is about more than passing a road test—it’s about making smart decisions. At Sun Driving Academy, we teach students how insurance, liability, and responsibility work in real-life situations.

Whether you’re preparing for your G2 or G road test, our certified instructors help you become a confident, informed Ontario driver.

Final Thoughts

Borrowing a friend’s car in Ontario can come with hidden insurance and legal risks. Never assume you’re covered—always confirm before driving.

📘 Want to become a safer, smarter driver?
Contact Sun Driving Academy today for professional driving lessons across Ontario.