Yes, in fact, it's against the law to drive in Canada without a valid license and car insurance. But keep in mind that car insurance follows the car and not the driver. If you own the vehicle you’re driving, you'll need to make sure it's insured. If, however, you're driving a friend or family member's vehicle either occasionally or on a regular basis, you'll want to make sure you're added to their car insurance policy before driving. This will help ensure you're protected in the event of an accident leading to a claim.
Depending on the province you plan on residing in, insurance requirements can vary. But, regardless of province, your policy can consist of two parts:
- Standard or Mandatory coverage: The base policy we offer and the minimum coverage required in your province.
- Optional coverage: Additional coverage options that you can opt into to help enhance your base policy and cover you/your vehicle in the event of an accident or covered loss.
It's important that you have proper coverage and meet the necessary licensing requirements applicable to your province, so ensure you have all the right documentation with you before driving off in a vehicle.