Car Insurance for G2 Drivers: What you need to know
If you’ve passed your G2 test, first off, congratulations! You’ve passed Ontario’s second phase of licensing and you’re ready to hit the road. But, before you do, it’s important to make sure you have a great car insurance policy. A G2 license is the second phase of this process where candidates are expected to pass a road test. This license level is different from the G1 in many ways. Firstly, it comes with much more freedom than the G1. Furthermore, unlike the G1, a G2 license also requires drivers to be insured.
This page will explore what car insurance means for G2 drivers. This includes the types of insurance rates G2 drivers can expect, what it means to be a secondary driver on someone else’s policy and the rules you’ll have to follow in order to remain eligible for your insurance coverage.
Your questions about car insurance for G2 drivers, answered.
What does it mean to have a G2 license?
In Ontario, there are three stages to the licensing process. These stages include the G1, G2 and G licenses. You earn your G1 license when you pass the written portion and the first stage of the licensing exam. A year later, or shorter if you’ve enrolled in a driver’s education course, candidates are allowed to take the second portion of the licensing exam, the road test. Upon passing this exam, drivers will be awarded a G2 license.
After you’ve held your G2 license for a year, you’ll be eligible to take your stage three driving test. After passing this exam, you’ll be awarded a full, unrestricted G license.
Do G2 drivers need car insurance?
Yes, it’s required by provincial regulations that you must hold car insurance, even if you drive infrequently. If a child in your household has recently attained their G2, your insurance company must be notified and they must be listed on your car insurance policy as a potential driver.
In addition, the sooner you’re listed on an insurance policy as an occasional driver, the more time you’ll have to build up an insurance history. This may help you down the line when it comes time to get your own car insurance policy.
What is a secondary or occasional driver?
An occasional or secondary driver is an individual who regularly drives a vehicle, but isn’t the most frequent driver. An occasional driver is often a child of an adult driver who is added to a car insurance policy after obtaining their G2 license. Other examples of a secondary driver include a spouse who uses the vehicle to drive errands, roommates who regularly use the vehicle, other family members, etc.
Secondary drivers are protected under the same coverage as the primary driver on the policy. The main change policy-holders will see is an increase in their insurance premiums as a result of adding an additional driver to the contract. Whether or not this increase is large will depend on the experience of the driver being added. An experienced driver with a clean record, for example, will result in a smaller increase in your insurance premiums than a G2-licensed driver.
All drivers in a household who hold active licenses and share one vehicle should be listed as occasional drivers on that family auto insurance policy.
Are the licensing systems of other provinces and territories different?
Yes, the licensing system differs from one province to the next. For more information on how the licensing system works in different provinces, feel free to check out our auto insurance provincial pages here.
About the Author
Jessica is the former Associate Editor for LowestRates.ca. Before joining the team, Jessica worked as a National Online Journalist with Globalnews.ca and previously spearheaded the launch of the Business Section at one of Canada's largest technology websites, MobileSyrup.