In most Canadian provinces, registering a car in one person's name while insuring it under another person's name is generally prohibited or heavily restricted by insurance companies and provincial registries. Auto insurance policies traditionally require the registered owner of the vehicle to be listed as the primary policyholder or a principal driver to prevent insurance fraud and misrepresentation of risk. If a family member uses the car regularly, they must be properly declared as a primary or occasional driver on that exact vehicle's policy.
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