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Question

Do I have to be placed on my parents insurance, or am I automatically covered if I move back home?

I am 30 years old and live at my parent’s home for the time being after moving back from another province. My question is, do I have to be placed on their car insurance, or am I automatically covered seeing as how I live there?

Posted by simon.is.super on June 19, 2009

One Comment

  1. admin says:
    June 22, 2009 at 8:55 am

    We referred your question to Sean Graham, Principle Broker at KTX Insurance Brokers for assistance and he let us know that since you hold a licence (doesn’t matter if it is a G1, G2, full G licence, or even another province’s licence) you must be included as a driver on their policy, and they on yours assuming you also have a vehicle.

    All licensed drivers in the household, and anyone who frequently uses the vehicle’s insured, should be named since all could have access (whether given permission or not) to the car(s).

    Sean Graham, Principal Broker at KTX Insurance Brokers.

    Neither Kanetix® nor the KanetixForum.ca is an insurance broker or agent. Although this information has been passed along to you from KTX Insurance Brokers through the Forum, we are not responsible for the opinions expressed by them. Insurance can be complicated. When reading these answers, keep in mind each person’s situation is unique. Individual responses may vary depending on your insurer, geographic location, and specific circumstances. If you have a similar situation, always speak with your insurance provider, or a licensed insurance representative, for terms and conditions that may apply to you.

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