In Ontario, you generally do not need separate insurance to drive someone else’s car, as long as the car is properly insured and you have the owner’s permission. Ontario’s insurance system is based on the vehicle, not the driver, so the car’s insurance policy will cover you in case of an accident, provided you are driving with the owner’s consent. However, it’s crucial to check the vehicle’s insurance policy, as it may have restrictions or require additional coverage for occasional drivers. If the vehicle owner has only basic insurance, such as third-party liability coverage, it may not offer sufficient protection in the event of an accident. In such cases, it’s advisable to have your own insurance policy or ensure that the vehicle’s policy is comprehensive enough to cover potential risks. Always review the policy to avoid any unexpected costs in case of a claim.