Do G1 Drivers Need Insurance

I have a G1, do I need insurance when driving with my parents, in their car?

Question: Like the question says.. will I need personal insurance? Since I will always be driving with my Dad, the person who has an insurance policy for that car, will his cover me? I read on this website ( http://www.kanetix.ca/forum/1334/g1-driver-do-i-need-insurance ) that the parent's insurance will cover a G1 driver. But is this a universal rule across all insurance companies? Thanks for any help.

Answer: Hi there, Normally, you still have to be added as an occasional driver. The car is covered, it's true, but still - if anything happens, it's better that the company already knew you were going to use it for practice. Hope this helps!

G1 driver driving need insurance?

Question: I'm 22 with my G1 license and soon to be going for my G2 but need more practice and needed some advice on the right ways to practice. My mother can take me out driving, but according to her only people over 25 are allowed to drive to be covered by her insurance. My Fiance is 23 with his G license but hasn't had it for 5 years so I can't really go out driving with him, right? So to drive with my mother, she has to be in the car with me, would it be okay? Do I have to be under her insurance to drive with her around town for practice? [According to her, her insurance will sky rocket if I was to be added to it] I live in Ontario, Canada. Thanks!

Answer: There are two issues here. First, it your licensing restriction. As a G1, you need a person in the passenger seat who has at least four years driving experience (not five). Second, is that you need valid insurance on the vehicle you are driving. Most insurance companies give discounts based on the number of years of safe driving and more importantly limit the owner from allowing those who don't have a certain a certain amount of driving experience from using the vehicle. Ontario has private insurance so company rules can vary by age, years of driving experience, class of license, etc. Typically, your mother can just call the insurance company and ask for a (temporary) upgrade to her insurance to cover you practicing in the vehicle. Say six months or something. It will typically cost a couple of hundred extra for say six months. After that, you stop using the vehicle. Alternatively, if your fiance's coverage allows a G1 driver, you could borrow he car and find a more experienced driver (such as your mother).