Last time, I asked the insurance company about this question.

jdge (nothing123)
The truth is:
I have no insurance because I have no car but I have formal driver's license. I can drive any car from my friends if he/she lends it to me. When there is an accident, the insurance fee will increase on my friends but not me since I have no insurance. So in north America, it is said that two things that you couldn't lend it to others:
1. money
2. your car
2001-8-3 -04:00
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Back To Topic: 各位, 有两种说法,加拿大的保险是跟人, 加拿大的保险是跟车, 哪一个对是我们必须搞清楚的。

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