You’re at a friend’s house for dinner and they’ve just run out of tomatoes and it’s a key ingredient for their recipe. You didn’t drive your car there, so you grab their car keys to pop out to the supermarket. A few blocks away, you just manage to swerve out of the way when someone drives out a side street without stopping or even looking in your direction. Luckily, everyone’s safe - but it sure gets you thinking. Do you need extra insurance to drive someone else’s car? And if you did get into an accident, whose insurance pays for it? Did you know there is a type of coverage called non-owner car insurance? But it’s not a mandatory coverage and it’s only useful for certain people.
Before we jump in, it’s important to remember that it’s illegal to drive without insurance whether the car you’re driving is yours, or it’s borrowed. In Canada, it’s the law that you must drive with a valid insurance policy to protect you, as well as everyone around you. Now let’s get into the details of what non-owned auto insurance is and look at different scenarios when you may need it.