Nova_Dust

Ok, I need to get thsi straight. Pardon my stupidity.

If I have no insurance, can I drive other people's car that is insured?

If I have no insurance and I still own a car, but not driving it. Can a person who has insurance (on their own car of course) driving mine?

Oh, and how much is the fine for not driving without insurance? (just curious)

Insuranceman

Yes you can drive other people's cars, the insurance follows the car, not the person ... - and to answer your second question, no they cannot drive your car ----- see the first part of my answer -----Drive with no insurance is a hevy fine, but even more if you hit and injure someone ....

Cynikal.Mindset

but isnt it true that some policies dont cover other drivers (other than the ones on the policy) especially if they are under 25 or whatever?

I was told this before by some adults when I was a young buck

like if I was gonna drive my gf's mom's car and her policy didnt cover drivers under 25 that werent listed on the policy or something...does that exist?

GinoLicious

Yeah, i also thought that you had to be insured under that car. With your name to be able to drive it.

Insuranceman

As long as you have permission to drive the car from the owner of the vehicle, anyone can drive it, age does not matter, as long as you are fully licenced .... The under 25 rule is a myth, most people think that, but most of the time its the parents telling the children that because they don't want them to drive their car ...You may be an excluded driver, but thats a whole other thing

Cynikal.Mindset

I knew it!

damn parents, but I guess its a good thing that they trick us like that

Insuranceman, u rock!

hkalltheway

I was wondering what's the purpose of primary and secondary drivers then, if the primary can insure, and the other person can just drive?

Nova_Dust

I see.

Here is another senario. I have no insurance but I love my car so much that I want to keep on finance it. But I will transfer the ownership to say, my father. Now the car is under his name. He will pay for extra insurance on a 2nd car.

Of course, I will pay for his insurance coverage and monthly payment as if it was my own car. Now, since the car is insured under his name, as long as he lets me drive it, I can do so right? Even though I have no insurance.

Will it work?

Insuranceman

well, they rate the premium based on who drives the vehicle, so the insurance company needs to know who is driving the car the most, and who is drivng the car other than the primary driver ... Thats why when you fill out an application they ask you to list ALL the drivers in the home, even if they all have their own car, because their is a possibility they may drive the car .... Its good to have all the drivers listed on the policy, but if you lend your buddy your car, and he gets into an accident, as long as you report it to your company and you confirm you gave him permission, your fine .... Injuries are a whole other story however ....

Insuranceman

As long as the finance company has him as the owner, the ownership is in his name and the car is insured under his policy, YES you can do this ... Hell, I did it in college so I didn't pay $500 a month in insurance ... As long as your father gives you permission to drive his car, and your licenced , you can drive it - Just an FYI though, if you live in the same house, your going to be on his policy as a licenced driver in the household, and if he owns 2 cars, he can only be the primary driver on one of them, unless he has a good reason why he isn't (i.e., one is a company car)

Nova_Dust

That sounds like a good plan.

Here is a bit more detail. My driver's license shows a different address so technically, I do not live at home (I go back and visit on the weekend if I have time).

My father owns 1 car, and my mother owns another. Now when he gets a 3rd car, does it have to be a company car? Or just for the sake of owning another vehicle for fun? And since I don't live at home anymore (and I take bus to work, or car-pool and might only use that car on the weekend IF I absolutely need to use it), do I still have to be on his policy? No I suppse right? And my mother doesn't drive manual (well she knows how to, but she hates it), so he can be the only driver of that car in that particular household correct?

Thanks man

Insuranceman

Welll since you don't live at home, you should be ok, but remember the insurance company will look to see who the person who finaces the vehicle is, and if it is you, they will have the plicy in your name .... If you dad owns both vehicles, thats ok, as long as your not in the home .... Every company is different so you may want to speak with your broker, and let him kor her know that you don't live at home and that your dad is going to be "buying" the vehicle from you ... If you have 3 cars and 2 people in the home, that is fine, he just drives your car on the weekend, as a pleasure vehicle

Nova_Dust

The car's lease will end this March and I was planning on buying it back. Gonna go 5 year finance just to keep it cheap monthly. The money will be withdraw out of his account but I will pay him separately so there won't be any trace. Same thing with insurance. I will pay for it.

So I guess my dad won't be buying the car from me, just from Honda Canada in this case. And I won't be at home, so that should take care most of it. If it works out, then I don't mind have the car under his name for as long as we own it. I will wait until my record gets all erased in 2010 and I will maybe buy the car back from him or begin to insure the car under my name.

Thanks a lot insuranceman, you just saved my life, and I mean it!

iceburg_shorty

wont your dad's insurance go up if u were to smash the car?

Nova_Dust

Yes it will, which is why, I am gonna drive with extra care and totally cut down my driving time to only weekends. I know it is hard but I will try to take bus or car pool or even car pool with my dad, since both of us work in the east end area.

I have been driving carefully since my first accident, not trying to give myself excuses here but that last one was really unfair. Too bad the law says you must keep a safe distance and no one could prove that 5 car was safe enough distance under a snowing day. I mean, 100 car distance will definitely make you stop while you travel 40. But who drives like that? Ya, the car in front of you is 3 blocks away and you are stopped by a red light.

What can I say, just another hardball thrown at you by the tough life.

Insuranceman

well, if you have a at fault accident, anyones insurance would increase, it wouldn't matter who's insurance its under, it would still increase ... But it won't go up as much, if its under his dad's naem ... His dad likely has 10-20 years of driving experience compared to his 5-10, so his dad's insurance will increase, but not as much as it would if he was driving under his own policy ...

iceburg_shorty

thanks cuz i wanted to put my car in my mom's name and change my address for insurance purposes her insurance is so cheap i can pay the dif if i make it go up

imported_gatherer

you know I look at this and while it's perfectly "legal" I see it as wrong .. for this reason, the people putting insurance in their parents name will most likely be the person using the car the most and therefore be the real "primary driver". it just doesn't sit right with me.

Insuranceman

well its not right, and if the company finds out the have grounds to cancel your policy, as it is misrepresentation, but i can't fault people for doing what Nova is doing, especially if they don't drive the car 90% of the time ....

Nova_Dust

I called Monnex this morning and with my 11 year license, they can give me 1700 a year, with a clean record that is... All I can say is, that driving fast or slow or whatever doesn't mean jack, it is a total clean record that is the most important.

My dad has 14 years of license, because we are FOBs LOL. I also contacted Co-operators and see what kind of Facility Insurance they can provide me with.

Jason, I understand your point. As I stated, I am living closer to work now, so driving won't be needed as much.