I want to give my kids 20 and 24 my car to use as their own. I want to maintain ownership of it but I want to have them to have their own insurance policy on it that they pay, so I’m not having to bug them for payment through my policy every month. Is the possible? I spoke to my broker (Desjardins) last week and they said it wasn’t possible, but I also don’t trust them because every time I call them I get a different ‘new’ person handling my policies.

I know I could transfer ownership to them but that requires a safety certification which I don’t want to do as it has a very slow oil leak (less than half a litre per month) that will prevent it passing. Otherwise the car is perfect – new tires, new brakes, lights working, a sound exhaust system.