Registered Insurance Brokers of Ontario (RIBO) Practice Exam

In which situation would your policy apply if an accident occurred?

1. Your 15 year old son takes the family car for a drive without permission.

2. After giving permission to your daughter to drive your car, your daughter allows her boyfriend to drive the car.

3. A mechanic takes your vehicle for a road test after repair.

4. A taxi driver friend borrows your vehicle with permission to take his children to school.

The correct answer is: A taxi driver friend borrows your vehicle with permission to take his children to school.

This policy would apply in the scenario where a taxi driver friend borrows your vehicle with permission to take his children to school. This is because there is permission given to someone else to operate your vehicle, which falls under the conditions of your insurance policy. Option A is incorrect because the 15 year old son did not have permission to drive in the first place, so the accident would not fall under the policy. Option B is incorrect because although your daughter was given permission to drive, she was not the one operating the vehicle at the time of the accident. Option C is incorrect because the mechanic was operating the vehicle for business purposes, which may not be covered under your personal insurance policy. In contrast, option D is the only situation where permission was given to someone else to operate the vehicle, making it the correct choice for this question.