Autoplan insurance

Find a Service Location

Unlisted Driver Protection

​With the changes we’ve made to the insurance system, if an unlisted driver causes a crash in your car, you could face a one-time financial consequence unless you have Unlisted Driver Protection.

Flexibility to lend your car

If you’d like the flexibility to be able to lend your car occasionally to a driver not listed on your policy, Unlisted Driver Protection can provide peace of mind. This new coverage protects you from a one-time financial consequence should an occasional driver, not listed on your policy, causes a crash in your car. Occasional use is up to 12 days in a year, per driver.

Listing drivers

It's important to list household members, employees or others who will drive your car, as they are excluded from Unlisted Driver Protection. That means if they aren't listed on your policy and cause a crash in your car, the financial consequence could apply.

What does Unlisted Driver Protection cost?

As long as unlisted drivers do not cause crashes in any of your cars, this protection will be free.

However, if an unlisted driver does cause a crash in your car, and you want to continue to have this protection, then you’ll need to pay for it at your next renewal. This is in addition to the one-time financial consequence you may have to pay.

If more unlisted driver crashes occur, the cost of this protection will continue to increase.

Exclusions to Unlisted Driver Protection

Even if you have opted for Unlisted Driver Protection, it will not protect you from the financial consequence if any of these people cause a crash in your car, as they should be listed on your policy:

  • Household members or employees (of the principal driver, registered owner, or lessee if the vehicle is leased)
  • Anyone who has driven any of your owned or leased vehicles more than 12 days in the 12 months before the crash.

Unlicensed drivers, and those who have already caused a crash in one of your vehicles in the last five years prior to the crash, are also excluded.

Find out more about listing drivers.

What is the financial consequence if an unlisted driver causes a crash in my car?

If an unlisted driver causes a crash in your car, you could face a one-time financial consequence, called the Unlisted Driver Accident Premium. This will depend on a number of factors, such as where they are licensed and their driving experience and crash history.

The Unlisted Driver Accident Premium will look at how much your Basic and Optional premiums would have been, had you listed the driver who caused the crash. If there is a difference in premium, the financial consequence is 15 times both the Basic premium difference* and the Optional premium difference**.


*to a maximum of $5,000
**to a maximum of two times the Optional premium 

If there is no difference in the premium, there would be no penalty to pay. However, you will need to pay for Unlisted Driver Protection at your next renewal, if you want this protection.

Here's an example

Mike lives with Jennifer and uses her car. She chose not to list him as a driver on her policy and he caused a crash using her car. Because Mike is a member of the household, he is excluded from Unlisted Driver Protection.

Jennifer paid $1200 ($900 for her Basic insurance and $300 for her Optional coverages) at her last renewal.

If she had listed Mike at the time, her insurance would have cost $1300 - a difference of $100.

The one-time financial consequence that Jennifer would have to pay would be:

15 x $100 = $1500

Now that Jennifer has had an unlisted driver crash her car, if she wants to have Unlisted Driver Protection, she will need to pay for this protection at her next renewal.

The claim is covered in the event of an unlisted driver crash, according to the coverages Jennifer has on her policy; the potential one-time financial consequence is separate.


There will be exemptions for extraordinary situations, such as when an unlisted driver uses your car for a medical emergency. Mechanics and valets who may drive your car are covered by their own policy.