What should you advise when a visitor from Nova Scotia will be driving the insured's car?

When advising about the situation where a visitor from Nova Scotia will be driving the insured's car, the best guidance is that the policy protects the visitor as long as they have a valid Nova Scotia driver’s license. Auto insurance policies in Canada typically provide coverage for licensed drivers using the insured vehicle with the permission of the owner. This includes out-of-province visitors who hold a valid driver's license from their home province, provided that the license is recognized in Ontario. Consequently, the insured’s existing auto insurance would generally extend to cover the visitor in the event of an accident or damage, maintaining consistency with the principles of auto insurance across provinces.

Additionally, the other options do not accurately reflect the typical norms of auto insurance. Adding an endorsement may not be necessary since the visitor is already covered under the existing policy while having a valid license. Requiring the visitor to pass a local driving test or sending a letter to the insurer does not align with standard practices of insuring drivers from other provinces, who automatically have the right to drive with their valid out-of-province license.