If you are registered as a temporary driver or a secondary driver of a van, then sure you can drive it. However, if it is your friend’s van or someone else’s van, it is unlikely that you are going to have insurance to drive it. Insurance policies used to be written in a way that you would have liability if you just hopped into a random vehicle and drove it. However, it is rare to find an insurance company that still allows this, especially for young and inexperienced drivers.

Can I Drive An Uninsured Car With My Insurance?

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Whether you can drive a car that isn’t insured or not, really depends on your insurance policy. A lot of the time you will have to call your insurance company beforehand to let them know that you will be driving the vehicle. Just because the owner of the vehicle doesn’t have insurance for it though, doesn’t mean that you can never drive it. The owner won’t be allowed to drive it, but if you talk to your insurance company about it, it is likely that you will be able to. However, most of the time when you drive someone else’s vehicle, you waive things like collision and comprehensive insurance. Meaning that if you crash, you will only be eligible to receive liability coverage from your insurance company.

Can You Drive Any Car As A Named Driver?

No, you are generally not allowed to drive any car as a named driver. A named driver is someone who is specifically insured to drive a particular vehicle. All named drivers have the same amount of insurance coverage as the owner of the vehicle does. However, if you are not a named driver, many insurance companies will not allow you to drive other vehicles without contacting them beforehand. It should not take long to set up a temporary insurance policy with your insurance provider. It is definitely worth your time and effort as there are very harsh consequences for driving without insurance in Canada.

Can You Lease A Car And Let Someone Else Drive In It?

In most cases, you are allowed to drive someone else’s leased vehicle. However, depending on the contract, you might have to get permission from the company who sold the lease to you. Some car companies put in the lease contract that all drivers of the leased vehicle have to be on the actual insurance policy. This means that in some circumstances, you have to be a named driver to drive a leased vehicle. It is always best to talk to your insurance company before letting anyone drive your vehicle. Someone else driving your lease might lose their rights to use collision and comprehensive coverage, which is something to keep in mind.

Do You Have To Be 25 To Drive Someone Else’s Car?

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In most cases, your car insurance company will not add automatic liability coverage for you. Usually, to be able to get this coverage, you have to be 25 years old. You do not have to be 25 years old in order to be able to drive someone else’s vehicle, however. As long as you call your insurance company and ask them to give you coverage and they give the go ahead, you can drive it. However, the reason they don’t automatically give this coverage to people under 25 is due to risk. People under the age of 25 are much more likely to get into accidents. Sometimes, even if you ask to be given this coverage, you might be denied. If this is the case, there really isn’t anything you can do other than switch insurance companies.

Will My Insurance Premiums Rise If Someone Else Crashes My Car?

When someone else crashes your vehicle, you can expect your insurance premiums to go up. Whenever you lend your car to another person, you are also lending your auto insurance. Should a collision occur and the driver of your vehicle be sued for more than the amount of auto insurance coverage that you have, you will be held liable for the difference. Due to this reason, you should make sure that you trust the other person who is driving your vehicle. You also need to be prepared to accept the consequences should an accident occur. They can happen to anyone and they can certainly happen to someone borrowing your car.

Can Someone Else Drive My Financed Car?

Financing a car is the same as if you buy a car. You may not technically own the car until you pay off your loan, but you have more rights to let others drive your vehicle than if you just paid for a lease. In order for someone else to drive your financed car, they will likely have to call up their insurance company. Most policies do not provide full collision and comprehensive coverage for driving someone else’s vehicle. If you call up your insurance company and ask that they are added as a temporary driver, they will likely be able to receive full coverage. Remember, you do not want anyone driving your financed car without having full coverage. If they get into an accident, you are going to be paying out of pocket for repairs if this occurs.

Are There Vehicles That I Can’t Drive With My Regular License?

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Yes, there are actually a lot of vehicles that require specialized licenses for you to be able to drive them. Here is a list of the different types of licenses that you can get and what vehicles they allow you to be able to drive:

License ClassificationAllowed Vehicles Under Each Classification
Class ATractor Trailer and any Class D and G vehicles
Class BBuses for school purposes as well as class C,D,E,F and G vehicles
Class CA regular bus and class D,F and G vehicles
Class DVehicles exceeding 11,000 kg, and any truck. You can also tow vehicles under 4,600 kg
Class EAny school purpose bus up to 24 passengers plus class F and G vehicles
Class FAny regular bus up to 24 passengers and ambulances can also drive G vehicles
Class GRegular license allows for any truck, van, small truck etc. Can tow 4600 kg or have a combined weight of 11,000 kg
Class MMotorcycles, trycles, motor scooters and mopeds as well as equivalent G1 license holder privileges

To Conclude

So long as you talk to your insurance company about driving a vehicle before you drive it, you should always be in the clear. Whenever you have questions about any situation such as this, it is always best to talk to your insurance provider. You never want to be caught driving without insurance. Getting into an accident without insurance coverage can ruin your driving record and leave you with a huge financial burden. It is worth taking the few extra minutes to call your insurance company to make sure that you have the “okay.”

Resources:

https://www.pistonheads.com/gassing/topic.asp?t=1105207
https://www.moneysupermarket.com/car-insurance/articles/are-you-covered-in-another-car/
https://www.osv.ltd.uk/can-someone-else-insured-drive-lease-car/
https://www.koees.com/4597/can-someone-else-insure-my-financed-car
https://www.confused.com/car-insurance/guides/driving-other-cars-on-your-car-insurance
http://www.bvinsurance.ca/can-i-lend-my-car-to-my-friend-or-relative-auto-insurance-calgary/