Loan Your Car, Loan Your Insurance

Published On: January 29th, 2019Categories: Personal Insurance

If I loan my car to a friend and get into an accident, does it affect my insurance?

“When you loan your car, you loan your insurance.” What do we mean by this? Matthew Leyland, Bryson’s Director of Personal Insurance, shares liability concerns car owners need to consider before letting other people drive their vehicle.

If you still decide to loan your vehicle to someone, please confirm they have a valid driver’s license in place and that they have active car insurance.

*You may be wondering if this changes when using a designated driving service to get your car home safely at the end of the evening. Unfortunately, like this Toronto woman found out post-accident, you are also loaning your insurance to the driver in a scenario like this.*

Do you have a specific scenario you would like to run by our team? Connect with us at or give us a call at 1-800-661-5196.


For us, we see our purpose as your insurance broker as much more than ensuring you have the lowest price on your personal insurance (though we routinely save individuals and families a significant amount on their personal insurance). We believe in knowledge and in sharing that knowledge.

If you value authentic advice, a sense of partnership, and personalized interactions, then it is time to see if the Bryson Experience is right for you.

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