Occasional Driver with a Bad Driving Record

I live in the province of Ontario and I am wondering what happens if someone drives my car that is not named on my insurance? This person may be considered high risk (due to a series of minor traffic violations). What happens to them if pulled over and does this affect my policy or driving record?

Answer:

It depends on the restrictions on your policy for "occasional drivers." Check the fine print on your existing policy and be sure that there are no restrictions regarding the driving record of an occasional driver. When in doubt, check with your insurance company BEFORE letting someone else drive your car.

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