Yes, normally if some allows you to borrow their vehicle you will be covered under their insurance policy.
From the couple of insurance companies we checked with in Quebec and Ontario they stated that if your friend lets you use their car, and you are not named on their policy, your friend's coverages still apply, thus are in effect. Some companies note that is provided that you as a driver are:
- legally entitled to operate a vehicle (are properly licensed)
- receive permission from the owner to use the vehicle
- do not use the automobile for illegal activities, such as racing or a speed test.
Your friend should know that if you are involved in an accident, this may affect your friend's car insurance premium and policy coverage though.
Even though in general it appears that your friend's insurance should be extended to you when you borrow their car for this one time occasion, we would still recommend that your friend speaks with their specific car insurance company to make certain that their policy and coverages would extend to you when you drive the vehicle.
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