Yes. Show me a pink slip that says the car is insured and I'm happy. If someone wrecks it that isn't supposed to be driving it then the insurance company can have all the fun with figuring out if they are going to cover it or not.
If someone wrecks it that isn't supposed to be driving it then the insurance company can have all the fun with figuring out if they are going to cover it or not. In Ontario by law insurance companies must pay out on the third party liability and accident benefits to all passengers even if the driver is not named on the policy. What then can happen is the insurance company sues the driver and their own insured (vehicle owner) for all monies spent including all legal fees which are usually at the highest rate $400-$500 per hour and usually total in the hundreds of hours.
Also by law if the driver refuses to pay or avoids payment which is usually the case the law firm representing the insurance company can apply to have the driver's license of the offending driver suspended indefinitely. This does not apply to the owner which is usually homeless by this time.
![Tongue :P](https://www.autos.ca/forum/Smileys/CarTalk/tongue.gif)
My son's current love interest is driving her grandmother's car who resides in another city. Rate is $700 for the granny and rate is $3300. for the girl because of tickets. In essence both this girl and her granny are not insured.
I warned my son under no circumstances should he drive that car because civilly speaking he is uninsured and could loose his driver's license because he is only an occasional driver on my policy. If he had his own policy with the extended coverage endorsement then he would be covered.