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If your children live at home and will drive your car, even occasionally, your insurance company will consider them “occasional drivers” and will add them to your auto insurance policy. The rule also applies to others living in your household, including relatives and roommates. When should you add a child to your auto insurance policy, and when can they be omitted?
When should we add a child to our car insurance policy?
You need not add your child to your car insurance policy in Canada until they’ve been licensed to drive and are driving on their own. Most Canadian insurance companies don’t require you to include a teen who is still using a learner’s permit and can only drive with an adult in the car for learning purposes. Once they advance in your province’s graduated licensing programs and can drive without a supervising adult, you will need to add them as an occasional driver to your car insurance policy.
If your adult child lives at home with you and drives your car even occasionally, you should add them to your car insurance policy…