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How does auto insurance coverage work if I lend my car to someone, such as a friend or relative?

In general, you can lend your car to anyone, provided that you have given your permission, that they are licensed and legally allowed to drive, and that the car has valid insurance on it.

If someone borrows your car and has an accident, then your policy may be affected, because you would be responsible for damages, and the accident would be noted on your policy. In fact, the record of the accident tends to follow both the car and the driver, but this may vary by province and situation. Remember that anyone who has regular access to the car must be listed on the policy.

If you need to add a new driver to your insurance policy, you can use do it in TD MyInsurance. Select 'My Policies' then 'Add Driver', located under the Auto tab. Alternatively, you can chat with an advisor once logged in for assistance if required. 

Here's what you'll need:

  • New driver's legal name and date of birth
  • Date first licensed and driver's license number
  • Driver training program completion details
  • Driving history details such as claims history, prior convictions or license suspensions
  • The vehicle to which they are being added, as either a primary or occasional driver.
  • Changes (if any) to the usage and primary or occasional drivers for the remaining vehicles on the policy.

Online and Mobile options with TD Insurance

Manage your insurance online with TD MyInsurance. With numerous self-serve features, you can view your home and auto policy details, download proof of car insurance (also known as your 'pink card'), manage your payment or contact information and much more.

Get fast, easy and secure access today.

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