My son just got his G1 licence, do we have to add him to our insurance policy now?

new driver holding car keys with thumb up

This is a common question we receive quite often from parents of newly licensed teen drivers, and in most cases, people are surprised to hear the answer. Although there is no additional premium to add a G1 driver to your policy, you are still required to notify your insurance company any time there is a newly licensed driver in the house.

A G1 licence is essentially a learner’s permit that will allow your teen to practice their driving skills under direct supervision of yourself or another fully licensed driver. For this reason, G1 drivers are covered by the policy of the parent or guardian whose vehicle they are driving without any additional premium. Even though they will not be officially listed as a driver on your policy documents, insurance coverage will extend to cover the G1 driver as long as they are in compliance with all G1 Licence Class Restrictions. (See below for G1 Licence Class Restrictions.)

Remember, when your son or daughter gets their G2 licence, you must also notify your insurance company of this change. Bear in mind, there will be an additional cost when you add a G2 driver because they will now be able to drive a vehicle independently without your supervision. (See below for G2 Licence Class Restrictions.)

Here are a few other important notes for parents with teenage drivers:

 

  • G1 is the first step of Ontario’s graduated licensing system and can be obtained once your child turns 16 and passes a written test along with a vision test.
  • New drivers must have a G1 for a minimum of 12 months before applying for a G2, unless they complete a certified driver training program; in this case, the wait period decreases to 8 months.
  • Taking a certified driver training course can save your son or daughter up to 10% more on car insurance, even if they are insured on your policy.
  • Completing driver training will also make a new driver eligible for a better “driving record” with some companies, which could lower their rates significantly.
  • G1 and G2 drivers have certain restrictions they must follow. If a driver is found to be in violation of any licence class restrictions, insurance claims may be denied and they may face suspension and/or fines.
  • A Good Student Discount of up to 15% is available with some companies for drivers under twenty five who maintain a minimum “A” average or 80%+
  • A 50% Away at School Discount can be applied for occasional drivers who are full-time students at College or University, living more than 100km from home, and are claims free.
  • Plug’n SAVE™ is a great way to help your son or daughter develop good driving habits and become a safer driver. It will also provide an additional discount of up to 30% on their car insurance!


G1 Restrictions and Driving Rules:


Drive with a G Licensed Driver.
G1 drivers must always have someone in the passenger seat of the vehicle who has a full G licence with a minimum of four years driving experience and a blood alcohol level of less than 0.05%.

No Drinking.
G1 drivers are not permitted to have any alcohol in there system; their blood alcohol must be zero when driving.

No Highway Driving.
G1 drivers can not drive on any “400 series” highways or other controlled-access highways with a posted speed limit over 80 km/h, including QEW, Don Valley Parkway, Gardiner Expressway, E.C. Roy Expressway or the Conestoga Parkway.

No Driving After Midnight.
G1 drivers can not be on the road from midnight to 5:00 a.m.

Wear Seatbelts.
G1 driver and all passengers must wear a seatbelt, and the number of passengers can not exceed the number of available seatbelts in the vehicle.


G2 Restrictions and Driving Rules


No Drinking.
G2 drivers are not permitted to have any alcohol in there system; their blood alcohol must be zero when driving.

Wear Seatbelts.
G2 driver and all passengers must wear a seatbelt, and the number of passengers can not exceed the number of available seatbelts in the vehicle.

In addition, the following restrictions apply between the hours of midnight and 5 a.m. to G2 drivers aged 19 years and under.

  • In the first six months after receiving your G2 licence, you are allowed to carry only one passenger aged 19 or under.
  • After six months with your G2 licence and until you obtain your full G licence or turn 20, you are allowed to carry up to three passengers aged 19 or under.

 

After 12 months at the G2 level, you may take a road test to qualify for your full G licence.