Is it Possible to Insure a Car That I Don’t Own in Ontario?

non-owner auto insurance
Close up of a man sitting in a car and receiving car keys from unrecognizable person.

In Ontario, living in large cities such as Toronto or Ottawa, you may not need to own a car as public transportation meets most needs. However, situations may arise where you require a car for running errands or planning a weekend getaway.

In these instances, borrowing a car from a friend or renting one is a common solution. But what if an accident happens while you’re driving a borrowed or rented car? Will the owner’s insurance policy be the only coverage in place, or will you also be protected?

Let’s go into more detail about non-owner auto insurance so that you can better determine whether or not it is the type of coverage that meets your requirements.

Who Can Insure a Car They Don’t Own in Ontario?

In Ontario, only the registered owner of a vehicle is required to have insurance coverage for that vehicle. However, if you are not the owner of the vehicle but are frequently driving it, you may still want to consider getting insurance coverage.

There are a few situations in which you may want to insure a vehicle you don’t own:

  • You are a frequent driver of a company vehicle or a vehicle owned by someone else, such as a friend or family member.
  • You are renting a vehicle and want to protect yourself against any potential damages or liability.
  • You are considering purchasing a vehicle and want to get insurance coverage while you are in the process of finalizing the sale.

In these situations, you can get insurance coverage for a vehicle you don’t own by purchasing a non-owner’s insurance policy.

ALSO READ: What Full Coverage Auto Insurance Doesn’t Cover?

What is a Non-Owner’s Insurance Policy?

A non-owner’s insurance policy is a type of auto insurance that provides coverage for drivers who don’t own a vehicle but frequently operate one. This type of policy can be a good option for those who don’t have a regular vehicle of their own but still need insurance coverage when they are driving.

Non-owner’s insurance policies typically cover:

  • Liability coverage for damages or injuries you may cause to others while operating a vehicle.
  • Medical payments coverage for any injuries you may sustain while operating a vehicle.

Non-owner’s insurance policies do not typically cover:

  • Physical damage to the vehicle you are driving.
  • Loss of use or rental car expenses.

It’s important to note that non-owner’s insurance policies are not a substitute for a regular auto insurance policy. If you own a vehicle, it’s still important to have proper insurance coverage for that vehicle.

ALSO READ: The Best Auto Insurance Companies For Low-Cost Coverage


Non-owner automobile insurance is available to any licensed motorist who does not own a vehicle. Many insurance providers, however, won’t provide non-owner insurance to drivers who have access to a household vehicle. Therefore, non-owner auto insurance isn’t the best option if a family member or a member of your household is lending you a car. In this situation, even if you only drive occasionally, you must be listed as a driver on your family member’s insurance policy.


Liability coverage is a feature of non-owner car insurance policies, and it covers any property damage and bodily harm to pedestrians or other drivers (but not to passengers) as a result of your negligence causing an accident involving a vehicle you do not own.

What is frequently misunderstood is that this coverage does not protect other drivers; it only covers the policyholder. Nevertheless, you may anticipate that the majority of non-owner insurance policies will offer the following kinds of coverage:

  • Personal injury protection. Insurance protection for accidents-related injuries, regardless of culpability. This added insurance may also pay for costs not directly related to medical care, such lost wages.
  • Underinsured/uninsured driver coverage. This insurance coverage protects you in the event that you are hurt in a hit-and-run accident or are engaged in one that was caused by a driver who was either underinsured or had insufficient insurance.

How Do To Get a Non-Owner Auto Insurance Policy in Ontario?

In Ontario, a non-owner’s insurance policy is a type of automobile insurance that provides coverage for individuals who do not own a car but occasionally drive someone else’s vehicle. If you do not own a car and you need insurance to cover you when you drive someone else’s vehicle, you can purchase a non-owner’s insurance policy. Here’s how you can get a non-owner’s insurance policy in Ontario:

  1. Contact a licensed insurance broker or company: This insurance coverage will protect you in the event that you are injured in a hit-and-run accident or are involved in an accident that was caused by a driver who did not have insurance or who did not have sufficient insurance coverage.
  2. Provide the necessary information: You will be required to supply some fundamental information about yourself, such as your name, address, and driver’s license number, whenever you speak with an insurance broker or company. You might also be asked to supply information on your driving history, including details about any collisions or moving offences you’ve been convicted of in the past.
  3. Choose a policy: Because plans for non-insurance owner’s often come with a variety of coverage options, you will need to select a plan that is tailored to your specific requirements. Before making a choice, you should first make sure that all of the specifics of the policy have been thoroughly examined, and then you should address any queries you have to the insurance broker or firm.
  4. Pay the premium: After you have decided on a policy, you will have to make the initial payment of the premium in order to put the coverage into effect. Your age, your driving history, and the level of coverage you select can all play a role in determining the cost of your non-insurance owner’s premiums.
  5. Keep your policy active: It is essential to maintain coverage under your non-insurance owner’s policy by making on-time premium payments, as this will keep the policy valid. If you have let your insurance policy to lapse, you will not be insured if you drive a car that belongs to another person.


Non-owner automobile insurance is something to consider purchasing if you do not own a vehicle but frequently use someone else’s or rent one. On a yearly basis, the cost will often range anywhere from $200 to $500 on average. An acceptable expenditure, especially when one considers the financial burden that would be incurred in the event of an accident in which appropriate insurance coverage was lacking.

The cost of premiums for non-owner automobile insurance is determined by a number of different criteria, much like the cost of premiums for any other type of auto insurance, including the following:

  • Claims history. If you have a long list of claims that have been made on your driving record, then you should expect to pay higher premiums because you are considered a high-risk driver.
  • Driving record. Auto insurance prices are typically far more affordable for drivers who have not accrued any moving violations in the past.
  • Age/experience. Because they have less driving experience and are more inclined to take excessive risks on the road, insurance companies typically charge younger drivers, those under the age of 25, a higher premium for their vehicle coverage.
  • Amount of coverage required. A car insurance policy with “bare bones” coverage is considered to be the most affordable option.
  • Discounts available. Varies from insurer to insurer.

Risk is the single most important factor in determining the cost of a non-owner motor insurance policy. The higher your risk is seen to be in the eyes of your insurance provider, the higher the cost of your policy will be.


Non-owner auto insurance coverage is a type of policy that provides protection for individuals who drive cars they do not own. If you’re looking for non-owner auto insurance coverage in Ontario, some popular insurance providers include:

  1. Intact Insurance – Intact Insurance offers non-owner auto insurance coverage that provides liability protection for bodily injury and property damage. This coverage is ideal for those who frequently borrow or rent cars.
  2. Aviva Canada – Aviva Canada’s non-owner auto insurance coverage provides liability protection and can also include accident benefits coverage. This coverage is suitable for those who do not own a car but regularly use cars they do not own.
  3. Desjardins Insurance – Desjardins Insurance’s non-owner auto insurance coverage provides liability protection, including coverage for damage to rental cars. This coverage is suitable for those who frequently rent cars for short-term use.

Each insurance provider offers different benefits and features, so it’s important to compare quotes and policies to find the best coverage for your needs. Additionally, some rental car companies may require renters to have their own non-owner auto insurance coverage, so it’s always a good idea to have this type of coverage in place to ensure you’re protected while driving a car you don’t own.

In Conclusion

A non-insurance owner’s policy can be bought in Ontario to cover a vehicle that you do not own. Drivers who frequently operate a car they do not own can benefit from the liability and medical payments coverage offered by this type of policy. Finding the greatest coverage and price for your needs requires comparison shopping among various insurance companies.

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