SPEEDING TICKET & CAR INSURANCE: QUESTION?

SPEEDING TICKET & CAR INSURANCE: QUESTION?

If my dad drives my car and is not on my insurance and he gets a speeding ticket, does MY insurance go up? I heard that since he's the driver, he gets the speeding ticket and it does not affect my insurance. But then I also heard the opposite. WHICH is true? I live in Canada

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Can I get some advice about car insurance?

My and my wife are both insured on our car (Fully Comp.) and we are now about to get another car due to our work situation. Would the following method be the most cost-effective way for us both to be covered ? 1) For me to be fully insured for one car and my wife fully insured for the other, allowing us both to drive each other's car if necessary ? I am currently the registered keeper of our current car and I am the policy holder for it as well. I would be driving the new one when I get it and my wife would take over driving the current one. Thanks in advance

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