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Our brokers will find you the best insurance for an occasional driver in your home by comparing quotes from 10+ top companies in Canada.

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We compare rates from Canada's top providers, including:

Occasional driver insurance.

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Occasional or second driver insurance is a type of coverage that offers protection when someone else is driving your car.

While your coverage will extend to a friend or relative who uses your car once in a while, if their use becomes regular, we recommend you add them to your policy as a secondary driver.

Your premium may go up, but you’ll save a considerable amount in the event of a collision, theft or damage while they’re behind the wheel.


How does it work?

Enter your information – it takes less than three minutes.
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Get quotes for the best secondary driver insurance from 10+ leading companies in Canada.
Secure your rate by talking to a licensed broker.

Why use

Licensed brokers at have the experience and expertise to help you get the best coverage, and our recommendations are free.

We’ve helped thousands of Canadians save millions of dollars on their insurance costs.

Give us a call today to learn more about and get the best rates for secondary driver insurance: 1-855-754-0350.


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How to add a driver to your insurance.

The process is straightforward. All you have to do is connect with a licensed broker who will guide you through each step.

Beforehand, it may be helpful to have a sense of what problems secondary driver insurance solves.

Scenario 1: One car, two drivers

If you’re a household with one car and two drivers, secondary insurance is an ideal option.

Many parents find that adding their child to car insurance serves two goals:

It provides coverage for a young driver.

It helps the young driver develop their profile and history with an insurance company. This positions them well to secure their own policy at a good rate when they strike out on their own.

Getting secondary driver insurance can save a parent money if they’re likely to be paying for the young driver’s policy anyway.

Scenario 2: Two cars, two drivers

Note that drivers who try to use secondary driver insurance as a way of trying to save money on more than one policy can run into difficulty.

An insurance provider is likely to consider you as the primary driver of one car, but not two.

Scenario 3: Multiple cars, multiple drivers

Households with multiple cars and drivers may be able to save if the primary policy holder opts for a multi-vehicle policy.

Speak to a licensed broker about what coverage makes the most sense for you and your household.

Our recommendations are free: 1-855-754-0350.


Frequently Asked Questions about occasional driver insurance in Canada.

What’s the cost of adding an occasional driver to my insurance?

The cost of adding an occasional driver insurance varies — from Ontario to Alberta and beyond, there are so many factors that determine rates that it’s hard to pinpoint just one such as location.

In terms of savings, there are two main benefits of listing an occasional driver.

First, it’s likely less expensive than the cost of an independent policy for a young driver. If you're a parent or guardian who wasgoing to be paying for that anyway on their behalf, you could reduce your costs.

Second, if your household has multiple cars, you could save money by opting for a multi-vehicle policy.

While a licensed broker will be able to help you gauge specific costs for adding a secondary driver, in general, rates are affected by the following factors:

Coverage type and location.

Discounts secured for the use of winter tires, bundling their policies, enrolling in a telematics program or parking privately rather than on the street.

Driver’s age, gender and driving record.

Driver’s completion of a training course.

Driver’s licence class.

Raising your deductible can also result in savings.

Who can drive my car under my insurance in Ontario?

Your coverage will extend to anyone licensed to operate a vehicle in Canada, if they use your vehicle from time-to-time.

For example, if they’re using your car to run an errand and are involved in a collision, your coverage will kick in.

When someone is using your car more often and can’t reasonably be described as an occasional driver, we recommend that you update your policy to reflect the change.

Once you’ve updated your policy, speak with the secondary driver about the insurance rules that will dictate how they can use your car.

If your teenage son or daughter is using your car to commute to school every week, you’re unlikely to persuade an insurance provider that they’re an occasional driver.

Can I add my girlfriend to my car insurance?

Yes, you’re welcome to add anyone you like as a secondary driver, provided they can legally operate a vehicle in Canada.

If your partner lives with you, it’s a good idea anyway because your insurance provider is likely to assume that they drive the vehicle often.

However, before you proceed, closely consider the implications: The cost of occasional driver insurance can increase if your partner has a bad driving record.

Connect with a licensed broker to figure out what sort of coverage makes the most sense for you and your lifestyle.

At, we have the experience and expertise to make sure you secure a great rate for occasional driver insurance.

Give us a call today to start saving: 1-855-754-0350.

What’s the difference: occasional driver vs. secondary driver?

There’s no difference, the terms are used interchangeably to describe a licensed driver other than the primary driver who uses the insured vehicle occasionally.

What happens if the secondary driver on my insurance has an accident?

Insurance costs for a secondary driver who has an accident will depend on the type of coverage they have.

After everyone in a collision is safe, we recommend that the policyholders — primary or secondary driver — inform their insurance provider(s).

If you’re having any difficulty reaching the provider, call 1-855-754-0350.

We’ll guide you through the process, step by step.