# Insurance tricks **URL:** \ **Category:** SON240sx Automotive\ **Created:** [August 9, 2006, 3:02pm UTC](https://forums.speedlife.net/t/insurance-tricks/98754 "2006-08-09T15:02:12Z")\ **Posts on this page:** 20\ **Page:** 2
**Author:** ![cgguy](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/cgguy/32/5508_2.png) [@cgguy](https://forums.speedlife.net/u/cgguy)\ **Post date:** [August 9, 2006, 4:43pm UTC](https://forums.speedlife.net/t/insurance-tricks/98754/21 "2006-08-09T16:43:18Z")
Long before I moved out of my parents house we found a cleaver way to get around this exact scenario. We had 3 cars and 3 drivers so therefore I would have had to be a primary driver on one of the cars. The work-around was that we had one of the cars ownership (my moms) signed over to my Grandfather. He then had it insured at one of those insurance places that caters to seniors…I dont remember the name of it but it doesnt matter. After doing so he “gave” the car to my mom as a gift (you apparently can do this between family members) at which point she drove the car under his ownership while covered at that insurance provider. The other 2 cars were insured at a different provider, the first under my father and the other under my mother thus making me a “secondary driver” on the vehicles. This little loop hole meant that we had three cars but insurance was none the wiser. It worked really well until I moved out and decided to legitimately insure myself. ---
**Author:** ![MrSkinny](https://avatars.discourse-cdn.com/v4/letter/m/59ef9b/32.png) [@MrSkinny](https://forums.speedlife.net/u/MrSkinny)\ **Post date:** [August 9, 2006, 4:49pm UTC](https://forums.speedlife.net/t/insurance-tricks/98754/22 "2006-08-09T16:49:32Z")
After he “gives” the car to your mom and signs over ownership would it not mean that it were your moms car hence 3 cars in your household? not notifying the insurance company of this doesnt change anythign does it? > [@cgguy](#): > > Long before I moved out of my parents house we found a cleaver way to get around this exact scenario. > > We had 3 cars and 3 drivers so therefore I would have had to be a primary driver on one of the cars. The work-around was that we had one of the cars ownership (my moms) signed over to my Grandfather. He then had it insured at one of those insurance places that caters to seniors…I dont remember the name of it but it doesnt matter. After doing so he “gave” the car to my mom as a gift (you apparently can do this between family members) at which point she drove the car under his ownership while covered at that insurance provider. > > The other 2 cars were insured at a different provider, the first under my father and the other under my mother thus making me a “secondary driver” on the vehicles. > > This little loop hole meant that we had three cars but insurance was none the wiser. It worked really well until I moved out and decided to legitimately insure myself. ---
**Author:** ![BlitzSix](https://avatars.discourse-cdn.com/v4/letter/b/dec6dc/32.png) [@BlitzSix](https://forums.speedlife.net/u/BlitzSix)\ **Post date:** [August 9, 2006, 4:57pm UTC](https://forums.speedlife.net/t/insurance-tricks/98754/23 "2006-08-09T16:57:31Z")
> [@Lith](#): > > Vadim, you could be covered when you drive your buddy’s car if he has a proper insurance policy which includes cases like those. > > I just talked to my mom about this and it got REALLY complicated, LOL… > > so to sum it up, the guys insurance policy must include a case like that and even then it’s not 100% sure that you will be covered. Insurance companies will always try to pay the least amount to anyone at any given time… that’s the bottom line. > > Best advice I’ve heard from my mom is not to drive someone elses car and not to let anyone drive your own car! That’s the only way you’ll be 100% sure you are covered in an accident (as well as the other people). > > Keep that in mind every time you borrow someone elses car or you lend yours to someone… I’m so confused, if you juts said I would be convered if I crashed my friend’ car without being on any policy then why aren’t i gonna be covered if i crashed my mom’s?? Oh and lending cars ftw! ---
**Author:** ![Lith](https://avatars.discourse-cdn.com/v4/letter/l/fbc32d/32.png) [@Lith](https://forums.speedlife.net/u/Lith)\ **Post date:** [August 9, 2006, 5:01pm UTC](https://forums.speedlife.net/t/insurance-tricks/98754/24 "2006-08-09T17:01:51Z")
> [@BlitzSix](#): > > [quote=Lith]Vadim, you could be covered when you drive your buddy’s car if he has a proper insurance policy which includes cases like those. > > I just talked to my mom about this and it got REALLY complicated, LOL… > > so to sum it up, the guys insurance policy must include a case like that and even then it’s not 100% sure that you will be covered. Insurance companies will always try to pay the least amount to anyone at any given time… that’s the bottom line. > > Best advice I’ve heard from my mom is not to drive someone elses car and not to let anyone drive your own car! That’s the only way you’ll be 100% sure you are covered in an accident (as well as the other people). > > Keep that in mind every time you borrow someone elses car or you lend yours to someone… I’m so confused, if you juts said I would be convered if I crashed my friend’ car without being on any policy then why aren’t i gonna be covered if i crashed my mom’s?? Oh and lending cars ftw![/quote] Honestly, the best way to find out is to call the insurance company (your mom’s insurance company) and ask them what’s covered and what’s not. Honestly though, just add yourself to her policy as a second driver and have a peace of mind. ---
**Author:** ![BlitzSix](https://avatars.discourse-cdn.com/v4/letter/b/dec6dc/32.png) [@BlitzSix](https://forums.speedlife.net/u/BlitzSix)\ **Post date:** [August 9, 2006, 5:11pm UTC](https://forums.speedlife.net/t/insurance-tricks/98754/25 "2006-08-09T17:11:42Z")
> [@Lith](#): > > [quote=BlitzSix][quote=Lith]Vadim, you could be covered when you drive your buddy’s car if he has a proper insurance policy which includes cases like those. > > I just talked to my mom about this and it got REALLY complicated, LOL… > > so to sum it up, the guys insurance policy must include a case like that and even then it’s not 100% sure that you will be covered. Insurance companies will always try to pay the least amount to anyone at any given time… that’s the bottom line. > > Best advice I’ve heard from my mom is not to drive someone elses car and not to let anyone drive your own car! That’s the only way you’ll be 100% sure you are covered in an accident (as well as the other people). > > Keep that in mind every time you borrow someone elses car or you lend yours to someone… I’m so confused, if you juts said I would be convered if I crashed my friend’ car without being on any policy then why aren’t i gonna be covered if i crashed my mom’s?? Oh and lending cars ftw![/quote] Honestly though, just add yourself to her policy as a second driver and have a peace of mind.[/quote] I"m not THAT baller! And I’m scared to call cause what if they’re like “wtf that homeboy lives there? why isn’t he on the policy??” and they’ll own me ☹ ---
**Author:** ![spilner](https://avatars.discourse-cdn.com/v4/letter/s/f17d59/32.png) [@spilner](https://forums.speedlife.net/u/spilner)\ **Post date:** [August 9, 2006, 5:18pm UTC](https://forums.speedlife.net/t/insurance-tricks/98754/26 "2006-08-09T17:18:55Z")
> [@BlitzSix](#): > > I suggested that you just insure it under your mom’s and odn’t mention you on the policy at all. > > I’m pretty sure this is still legal, I drove my mom’s car 100s of times without being on the policy, and have been pulled over several times with no problems. > > Since it’s legal to lend out your car it’s like my mom lending it to me 🙂 > > I’m pretty sure it would be fine in case of an accident, but can someone clear it up? thanks. I got t-boned a couple weeks ago driving my moms mini-van, its a write off. If I wasnt on her policy I’d be up shitts creek. ---
**Author:** ![snowboard\_240sx](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/snowboard_240sx/32/5519_2.png) [@snowboard\_240sx](https://forums.speedlife.net/u/snowboard_240sx)\ **Post date:** [August 9, 2006, 5:20pm UTC](https://forums.speedlife.net/t/insurance-tricks/98754/27 "2006-08-09T17:20:44Z")
> [@BlitzSix](#): > > THey won’t give you a 10 day without haveing hte buick on the policy will they :S no they wont give u a 10 day without insurance…i have insurance therefor i can be covered on the car im buying and drive it home. If i didnt have insurance i would go to the insurance company and either get a 10 day insurance or a whole policy for that car on my policy with state farm, i am covered under any insured or uninsured vehicle…therefor when i drive someone else’s car its important for me to have my insurance in my wallet just incase i get pulled over. But the car does have insurance so you wont get a ticket… ---
**Author:** ![BlitzSix](https://avatars.discourse-cdn.com/v4/letter/b/dec6dc/32.png) [@BlitzSix](https://forums.speedlife.net/u/BlitzSix)\ **Post date:** [August 9, 2006, 5:25pm UTC](https://forums.speedlife.net/t/insurance-tricks/98754/28 "2006-08-09T17:25:53Z")
> [@spilner](#): > > [quote=BlitzSix]I suggested that you just insure it under your mom’s and odn’t mention you on the policy at all. > > I’m pretty sure this is still legal, I drove my mom’s car 100s of times without being on the policy, and have been pulled over several times with no problems. > > Since it’s legal to lend out your car it’s like my mom lending it to me 🙂 > > I’m pretty sure it would be fine in case of an accident, but can someone clear it up? thanks. I got t-boned a couple weeks ago driving my moms mini-van, its a write off. If I wasnt on her policy I’d be up shitts creek.[/quote] says who. Did they actually tell you that? or are you jsut saying that ? ---
**Author:** ![BlitzSix](https://avatars.discourse-cdn.com/v4/letter/b/dec6dc/32.png) [@BlitzSix](https://forums.speedlife.net/u/BlitzSix)\ **Post date:** [August 9, 2006, 5:27pm UTC](https://forums.speedlife.net/t/insurance-tricks/98754/29 "2006-08-09T17:27:06Z")
> [@snowboard\_240sx](#): > > [quote=BlitzSix]THey won’t give you a 10 day without haveing hte buick on the policy will they :S no they wont give u a 10 day without insurance…i have insurance therefor i can be covered on the car im buying and drive it home. If i didnt have insurance i would go to the insurance company and either get a 10 day insurance or a whole policy for that car on my policy with state farm, i am covered under any insured or uninsured vehicle…therefor when i drive someone else’s car its important for me to have my insurance in my wallet just incase i get pulled over. But the car does have insurance so you wont get a ticket…[/quote] Okay, but even if you didn’t have any policy at all, you’d be covered under their insurance…right ? ---
**Author:** ![snowboard\_240sx](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/snowboard_240sx/32/5519_2.png) [@snowboard\_240sx](https://forums.speedlife.net/u/snowboard_240sx)\ **Post date:** [August 9, 2006, 5:28pm UTC](https://forums.speedlife.net/t/insurance-tricks/98754/30 "2006-08-09T17:28:14Z")
no because you dont have insurance. In ontario, in order to drive a vehicle you must have insurance ---
**Author:** ![BlitzSix](https://avatars.discourse-cdn.com/v4/letter/b/dec6dc/32.png) [@BlitzSix](https://forums.speedlife.net/u/BlitzSix)\ **Post date:** [August 9, 2006, 5:30pm UTC](https://forums.speedlife.net/t/insurance-tricks/98754/31 "2006-08-09T17:30:25Z")
I would appreciate it if you showed me where it says that. I thought it’s the vehicle that just has to be insured. Because by your logic someone with a G1 can’t be driving because they don’t have insurance… ---
**Author:** ![snowboard\_240sx](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/snowboard_240sx/32/5519_2.png) [@snowboard\_240sx](https://forums.speedlife.net/u/snowboard_240sx)\ **Post date:** [August 9, 2006, 5:31pm UTC](https://forums.speedlife.net/t/insurance-tricks/98754/32 "2006-08-09T17:31:56Z")
> [@snowboard\_240sx](#): > > relating back to ur post with me, and all these other posts and to clear this up a bit > > if the PERSON driving the car DOES NOT have insurance of their own, they will not be covered. The point of insurance is that your paying for you to drive the car, and paying if it gets stolen or hit If the person driving your car has their own insurance policy then they are covered under their insurance…fo > > r example…i have a policy which includes my buick and my 240, i have everything…i am insured under uninsured vehicles with my insurance…there for if i got buy another car lets say i buy a 1990 chev 1500, i can legally get a 10 day permit and drive it home with MY insurance for my buick and my 240…why can i do this, because MY insurance policy is covering me and the vehicle im driving…my moms friend is my insurance agent at statefarm, she explained this to me when i first started driving > > there ya go…its a messed up system but it makes sense, that way people just dont go under insurance and drive their parents cars, like what whoever is trying to do > > but then, if you look at someone who has a G1, they arent covered under any insurance, they do not pay a premium. Why? Because when we pay for our G1 X amount of money goes into a government fund which covers us under any persons with a G and 5 years driving experience…there for they do not need insurance ---
**Author:** ![Osad](https://avatars.discourse-cdn.com/v4/letter/o/3ab097/32.png) [@Osad](https://forums.speedlife.net/u/Osad)\ **Post date:** [August 9, 2006, 5:58pm UTC](https://forums.speedlife.net/t/insurance-tricks/98754/33 "2006-08-09T17:58:44Z")
Look Vad, what Rob is saying is that you YOURSELF have to have insurance of your own ,that covers this kind of incident if it does occur. Its not the car that needs to be insured, its the driver, the car can go either way. THATS the liability kicking in that makes up 70% of your payments (too lazy to quote the person, you know who you are). ANYHOO, back on topic guys, i just went and bought a 2004 Saab 9-3 2.0Turbo, with a wholesaler who is a friend of ours, got it DIRT cheap compared to what they actually wanted 😃 So he explained a few things to us: i am now thinking of either doing: 1.Putting my 240 as my dad’s recreational vehicle, which i think entitiles him to be primary driver on more than one vehicle (if it works, this is a dream of a snag) OR 2.I will put my dad’s car under his buisness’ name and then he will be the primary driver of my car. What do ya’ll think? ---
**Author:** ![snowboard\_240sx](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/snowboard_240sx/32/5519_2.png) [@snowboard\_240sx](https://forums.speedlife.net/u/snowboard_240sx)\ **Post date:** [August 9, 2006, 6:20pm UTC](https://forums.speedlife.net/t/insurance-tricks/98754/34 "2006-08-09T18:20:52Z")
exactly brrrup brrrrup ---
**Author:** ![renman](https://avatars.discourse-cdn.com/v4/letter/r/ecb155/32.png) [@renman](https://forums.speedlife.net/u/renman)\ **Post date:** [August 10, 2006, 7:49am UTC](https://forums.speedlife.net/t/insurance-tricks/98754/35 "2006-08-10T07:49:24Z")
You guys have to differentiate between what is legally required for insurance, and what is covered by the policy. [http://www.autoinsurance.gov.on.ca/english/insurance/auto/undautoins.asp](http://www.autoinsurance.gov.on.ca/english/insurance/auto/undautoins.asp) You may be surprised at what the bare minimum does and does not cover. Rules of Fault Determination > **[e-Laws](https://www.ontario.ca/laws)** > > Our staff can't provide legal advice, interpret the law or conduct research. You may be able to obtain assistance from a lawyer or paralegal. I recommend a quick scan through all of these for those of you not familiar with insurance. ---
**Author:** ![Original\_Nutta](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/original_nutta/32/5474_2.png) [@Original\_Nutta](https://forums.speedlife.net/u/Original_Nutta)\ **Post date:** [August 10, 2006, 8:40am UTC](https://forums.speedlife.net/t/insurance-tricks/98754/36 "2006-08-10T08:40:44Z")
> [@renman](#): > > You guys have to differentiate between what is legally required for insurancethese for those of you not familiar with insurance. Resize your sig asap, or SON will make one for you. ---
**Author:** ![cloudzero3](https://avatars.discourse-cdn.com/v4/letter/c/2acd7d/32.png) [@cloudzero3](https://forums.speedlife.net/u/cloudzero3)\ **Post date:** [August 10, 2006, 8:48am UTC](https://forums.speedlife.net/t/insurance-tricks/98754/37 "2006-08-10T08:48:32Z")
Don’t resize it, I wanna see what these guys have up their sleeves. XD P.S. Nutta and/or GT, you should take that pic of the locks and make it your avatars. ---
**Author:** ![renman](https://avatars.discourse-cdn.com/v4/letter/r/ecb155/32.png) [@renman](https://forums.speedlife.net/u/renman)\ **Post date:** [August 10, 2006, 10:50am UTC](https://forums.speedlife.net/t/insurance-tricks/98754/38 "2006-08-10T10:50:59Z")
> [@cloudzero3](#): > > Don’t resize it, I wanna see what these guys have up their sleeves. XD > > P.S. Nutta and/or GT, you should take that pic of the locks and make it your avatars. Hahah I’d be curious too, but I’ll edit it later tonight. for now, its just the text. ---
**Author:** ![Osad](https://avatars.discourse-cdn.com/v4/letter/o/3ab097/32.png) [@Osad](https://forums.speedlife.net/u/Osad)\ **Post date:** [August 10, 2006, 11:11am UTC](https://forums.speedlife.net/t/insurance-tricks/98754/39 "2006-08-10T11:11:51Z")
Insuraaaaaaaaaanceeeeeeeee Please. ---
**Author:** ![renman](https://avatars.discourse-cdn.com/v4/letter/r/ecb155/32.png) [@renman](https://forums.speedlife.net/u/renman)\ **Post date:** [August 10, 2006, 11:34am UTC](https://forums.speedlife.net/t/insurance-tricks/98754/40 "2006-08-10T11:34:47Z")
Osad, If your parents are primary on all three cars, then you can drive the car without worrying as long as their policy cover’s third party drivers. Basically, that means when they lend the car, they lend the insurance. [Previous page](https://forums.speedlife.net/t/insurance-tricks/98754.md?page=1) [Next page](https://forums.speedlife.net/t/insurance-tricks/98754.md?page=3)