waffleone3
New member
Hello! I live in Ontario. Since I don't own a vehicle, but occasionally borrow or help out other people by driving their vehicles, I was looking into what I could do to get my own auto insurance.
But according to this site, such a product doesn't exist. I need car insurance first—for a car I don't have?
It goes on to describe an OPCF27 endorsement, called a Legal Liability For Damage To Non Owned Automobiles. And, worse, it only applies to rental cars.
Is it the case, then, that for me to drive another person's vehicle occasionally, they must add me to their insurance—I cannot bring my own?
But according to this site, such a product doesn't exist. I need car insurance first—for a car I don't have?
First thing’s first: Ontario has strict rules about car insurance, and one of them is that non-owner insurance policies cannot be purchased as an independent product. This means that you must have an existing car insurance plan in order to purchase Liability for Damage to Non Owned Automobiles insurance. The non-owner car insurance coverage would be added to the existing policy as an endorsement:
It goes on to describe an OPCF27 endorsement, called a Legal Liability For Damage To Non Owned Automobiles. And, worse, it only applies to rental cars.
Is it the case, then, that for me to drive another person's vehicle occasionally, they must add me to their insurance—I cannot bring my own?