[Jmac]

Originally Posted by welfare

To reduce your premiums by listing another driver, they have to be part of your household, or an employee.
Not just an acquaintance.

That's not true.

Under the new model, at-fault crashes will follow the driver, not the vehicle owner. For example, if your friend causes a crash using your vehicle, the claim will count on their driving record, not yours. Listing those who drive your car helps to make sure they're accountable for the crash, and the risk involved in insuring your car is accurately assessed.

The majority (75%) of your Basic insurance premium will be based on the principal driver (the person who will drive the vehicle the most). Of the other listed drivers, the one with the highest level of risk will make up the remaining 25%.

For detailed information on listing drivers visit drivers, experience, and crash history.

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Who drives your car
For policies effective September 1, 2019, one of the biggest changes you’ll notice when you buy or renew your insurance is that we will ask you to list who drives your car.

Under the old model, if a friend borrowed your car and caused a crash, the claim would go on your crash history, rather than theirs. As of September 1, crashes follow the driver – so the claim will go on your friend’s crash history, not yours. This helps to make sure the right person is held accountable for the crash.

Listing drivers won’t necessarily mean you pay more. It will depend on each listed driver’s experience and crash history.

Who should I list?

You should list those who drive your vehicle, such as:

Household members and employees (of the principal driver, registered owner, or lessee if the vehicle is leased)
Learners
Others, such as friends and family, who will use your car
Drivers can be added or removed from your policy at any time.

Why do I need to list drivers?

Knowing who will drive your car helps us to accurately assess the risk and ensure the right person is held accountable in the event of an at-fault crash.

If an unlisted driver causes a crash in your car, you could face a financial consequence unless you have opted for Unlisted Driver Protection. However, this does not protect you from the financial consequence if a household member, employee, or other regular driver causes a crash, as they should be listed on your policy.