Morning
It is more complicated than just saying yes in BC to drive a seniors car
and our caregivers have to have work insurance to drive clients in their
own cars
Sharon
ICBC insurance follows the driver and the vehicle, meaning you are
generally covered when driving someone else’s car in B.C.. However, ICBC
requires all regular drivers to be listed on the policy. If you are an
unlisted driver and cause a crash, the owner may face significant
penalties, unless they have "Unlisted Driver Protection". ICBC — Insurance
+5 Key Considerations for Driving Someone Else's Car: Coverage Extends:
The owner's policy provides coverage, but it is highly recommended that you
are listed as a driver if you use the car regularly. Unlisted Driver
Penalty: If you are not listed and cause an accident, the owner may have to
pay a penalty (Unlisted Driver Accident Premium), which can be up to 15
times the price difference of having you listed. Unlisted Driver Protection
(UDP): If the owner has this, it protects them from the penalty if an
occasional, unlisted driver (you) causes a crash. Claims Impact: If you are
listed and cause a crash, your driving record is affected. Documentation:
You do not need special permission documents to drive someone else's car,
provided you have their consent. ICBC — Insurance +6 Best Practice: Ask
the owner if you are listed on their insurance policy. If not, ask them to
add you or to verify they have Unlisted Driver Protection to avoid severe
financial penalties in case of an accident. Here's how to find information
about adding a temporary driver to an ICBC policy, or what to do if the
owner does not have Unlisted Driver Protection. Lending to other drivers -
ICBC What should I do? You'll be asked to list those who regularly drive
your car, such as household members or employees. Find out more about
listing drivers. If a ... ICBC — Insurance