Insurance usually follows the vehicle first
A borrowed vehicle's policy is a key part of the coverage picture.
Household drivers should be disclosed
Insurers need accurate information about regular drivers and vehicle use.
Non-owned endorsements may help in some circumstances
OPCF 27 can address specified rented/borrowed vehicle exposures when purchased.
Use a licensed Ontario insurer or broker
There is no single generic 'non-owner policy' that should be assumed to fit every circumstance.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.