Does G2 licence holder needs his own insurance

by Maria
(Whitby, Ontario)

I have a son who is turning 19 years old and have a G2 licence for a year now. My questions would he be allowed to drive by himself in highway or even in regular roads without me or his Dad around that has a G licence and an insurance coverage?

Would he be allowed also to drive by himself without his own insurance?
If he drives by himself would he be automatically covered under our insurance?
If incase he got a ticket with a G2 licence would our insurance be affected?
Your immediate answer is greatly appreciated.
Thank you.

G2 Driver Question and Insurance


Hi Maria
Your son needs to be listed on your policy. If he gets a ticket it will impact you while he lives with you. As for your other questions, it is important to follow the MTO guidelines copied here:

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Class G2

New drivers must hold a G2 licence for a minimum of 12 months before they can attempt the G2 road test. At this level, you have more privileges because of your driving experience. You may drive without an accompanying driver on all Ontario roads anytime. However, you are still required to:

* maintain a zero blood alcohol level while driving;
* ensure the number of passengers in the vehicle is limited to the number of working seat belts.
* For the first six months, G2 driver aged 19 and under cannot carry more than one passenger aged 19 and under between midnight and 5 a.m.
* After the first six months, G2 driver aged 19 and under cannot carry more than three passengers aged 19 and under between midnight and 5 a.m. * These passenger restrictions do not apply if the G2 driver is accompanied by a full "G" licensed driver (with at least four years driving experience) in the front seat, or if the passengers are immediate family members.

Our Graduated Licensing System has been a resounding success in reducing death and injury among novice drivers. Ontario research shows that new teenage drivers are almost three times more likely to be involved in a fatal or serious collision when they are carrying teenage passengers. In fact, research shows the more teenage passengers, the higher the risk.

Thirty-one jurisdictions in Canada and the U.S. have some form of teenage passenger restrictions in effect.
======================

Hope that helps!

Please be sure to discuss this further with a licensed insurance representative. Oh, and by the way, are your rates too high? Check here:

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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

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