In Ontario, "insurance follows the vehicle, not the driver" which means when you lend your car to someone, you're also lending them your insurance coverage and your driving record.
If the person who borrows your car is in an accident and is determined to be at-fault, the accident will go on YOUR INSURANCE RECORD.
This is regardless whether or not the person you loaned your car to has his/her own insurance policy with another company.
And yes, you can expect your premium to go up even though you weren't driving.
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