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Q

If I am a newly licensed G2 driver in Ontario, and do not have my own insurance nor am on my parent's policy. Can I still drive without insurance if a parent with a full G license is in the front seat? Basically can I drive without insurance like I did with my G1 only?


A

According to the Insurance Bureau of Canada for a G1 driver there is no premium charged but the insurance company should be advised that there is a level 1 driver in the household. When the driver obtains the G2, the insurance company again should be notified.

There is a premium charge for a G2 driver. Typically credit will be given for the one year driving experience you received as a G1. You might also be able to receive a rate reduction for any driver's training you have taken.

Because of your G2 status allowing you to now drive without an accompanying driver in the front seat you will need to be put on either your parent's policy or acquire your own insurance to be properly covered. You cannot drive without insurance as you did with the G1 since the insurance company cannot be guaranteed that you would only drive with a full G licensed driver in the front seat.

With the lessening of restrictions that come with obtaining a G2 comes more responsibilities, such as having insurance. You can obtain the needed insurance coverage here with our Canadian partner Kanetix.



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2 Responses to "If I am a newly licensed G2 driver in Ontario, and do not have my own insurance nor am on my parent's policy. Can I still drive without insurance if a parent with a full G license is in the front seat? Basically can I drive without insurance like I did with my G1 only?"
  1. Visitor

    I have a G2 license. I am insured on my mother's car. Can I drive my grandmother's car?

      Reply»  
  2. Anonymous

    pretty good... but can we drive with our parents insurance???

      Reply»