Yes, you can insure a car without a driver's license in Ontario, but it is a complex process with significant limitations. The key distinction is that you are insuring the vehicle itself, not your ability to drive it legally on public roads. This scenario is most common for individuals who own a car but do not drive, such as a collector safeguarding a classic car in storage, or a parent purchasing a vehicle for their licensed child to use. The insurance policy would typically be a "storage" or "parked car" policy, which covers risks like fire, theft, or vandalism while the vehicle is not in use. However, to register the vehicle and purchase a standard policy that includes liability coverage (mandatory in Ontario), a licensed driver must be listed as the principal operator.
The process involves disclosing your unlicensed status to insurance providers upfront. They will require you to identify at least one fully licensed driver to be listed on the policy as the primary operator. This person's driving record, age, and experience will directly impact the insurance premiums. Attempting to insure a car without a license and then allowing an unlisted driver to operate it constitutes insurance fraud, which can lead to policy cancellation, fines, and denial of future claims.
The following table outlines the stance of several major insurance providers in Ontario on this matter, though their final decision is always subject to underwriting.
| Insurance Provider | Typical Stance on Insuring without a License | Common Requirements |
|---|
| Intact Insurance | Often considered case-by-case. | Requires a licensed principal operator to be named on the policy. |
| Desjardins | May offer policies for stored vehicles. | Proof of secure storage location (e.g., private garage). |
| Aviva | Possible with a licensed primary driver. | The unlicensed owner must be listed as an excluded driver. |
| RBC Insurance | Generally requires a licensed operator. | A detailed explanation for owning the car without a license is needed. |
| The Co-operators | Assesses based on individual circumstances. | The vehicle may be restricted to "pleasure use" only for the named driver. |
It is crucial to contact insurance companies directly for their specific requirements. The best course of action is to speak with a licensed insurance broker who can shop your unique situation across multiple providers to find a solution that complies with Ontario's Compulsory Automobile Insurance Act.
