​​There’s a common myth that car insurance in Halifax follows the driver. It doesn’t. It follows the car. So if you lend your car to a friend and they get in an at-fault accident, the damage will be covered by your policy, but it will likely also result in an increased premium. So be sure you trust whomever borrows your vehicle, and if they’re driving it on a regular basis, speak with your Dedicated Insurance Assistant about whether they should be added as an occasional driver on your policy.