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​​Unlisted Driver Protection

If an unlisted driver causes a crash in your car, you could face a one-time financial penalty 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 penalty should an occasional driver, not listed on your policy, causes a crash in your car. 

Occasional use is when a driver has driven any vehicles owned by the registered owner or lessee or principal driver less than 12 days in the 12-month period before the date of the accident.​ Unlisted Driver Protection can apply to Basic and Optional insurance. 

​Here are some scenarios where Unlisted Driver Protection would protect you in the event of a crash: 

  • A friend is visiting from another province and uses your car to run an errand
  • Your neighbour's car won't start and you let them borrow your car to pick up their child from school
  • You aren't feeling well and a colleague or classmate who lives nearby is driving you home in your car​

Exceptions to Unlisted Driver Protection coverage

Some types of unlisted drivers are excluded from Unlisted Driver protection. Even if you have the coverage, you could face a one-time financial penalty ​if a crash is caused by an unlisted driver who is: 

  • ​Driving without a valid licence
  • A household member or employee of the principal driver
  • A household member or employee of the registered owner or lessee
  • A family member or friend who regularly drives your car​
  • Responsible for causing a previous crash in any of the registered owner's or lessee's vehicles

if you're not sure if you need to list a driver​, talk to your broker.​​

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 penalty you may have to pay.

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

What is the financial penalty 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 penalty, 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 penalty 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 penalty 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 penalty 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.