If you've got a recently licensed G1 driver in your household, you may be wondering "what happens next?" After all, it's not every day that you have a G1 driver in your house to worry about. Whether you're unfamiliar with how licensing works in Ontario, or even how and when insurance kicks in, we'll cover some basic questions that'll help you and your G1 driver plan your next steps.
Before we go into all your potential insurance-related questions, it's important to understand the graduated licensing system in Ontario. Here's how it works:
Level one: By successfully passing a written knowledge test, a person can obtain a G1 license.
Level two: A G1 driver can attend a driving course to build skills and experience for their level two road test. If they successfully complete the road test, they'll obtain their G2 license.
Level three: A G2 driver must pass a road and highway test to earn their complete G license.
Auto Insurance requirements for these levels will vary, but we'll explain below.
In most cases with TD Insurance, G1 drivers don't need their own independent insurance policy, nor do they need to be added to an existing insurance policy. At least not yet. Since G1 drivers are required to drive alongside a fully licensed driver with at least four years driving experience1 in an insured vehicle, the G1 driver will typically be covered under that driver's insurance policy. Once the G1 driver passes their G2 road test and holds a G2 license, they should then be added to your policy.
Although the G1 driver won't need to be added to your policy at this stage, it's ideal to give your insurer a heads up that a G1 driver will be utilizing the car(s) insured on the policy. Keep in mind that your current policy should remain unchanged after notifying them, but some insurers may have different rules or guidelines.
As mentioned above, once your G1 driver obtains their G2 license, they'll need to be added and listed as another driver to your policy. Because G2 drivers are legally allowed to drive on their own, your policy should be updated to ensure they have the proper coverage and that your policy accurately reflects your household's drivers and vehicle usage.
You and the new driver in your household should start looking into insurance options once the G1 driver is close to taking their G2 road test. If they'll be added to your existing policy, reach out to your insurer for an idea of how your premium may be impacted based on your personal circumstances.
After your G1 driver obtains their G2 license, you can go ahead and add them to your policy. If you're an existing TD Insurance customer, you can add an additional driver to your policy by logging in to MyInsurance. But if the new G2 driver will be driving a vehicle they own, they'll require their own policy where they'll be the primary driver. They can easily get a quote to get started. Remember, it's illegal to drive in Ontario (and all of Canada) without being insured. Make sure the G2 driver has the proper coverage before stepping foot in the driver's seat.