Insurance With G1 License Canada

Insuring a G1 Driver (ONTARIO, CANADA) HELP!!!!?

Question: THIS APPLY'S TO DRIVERS IN ONTARIO, CANADA!!!!! Hello. I'm a 19 year old male who lives in Ontario, Canada, who's looking at buying a used first car. I currently have my G1 drivers license, and I can take my G2 anytime, but what I want to do is buy a car and use MY OWN car for my G2 test. Now, I'm not very knowledgeable when it comes to buying used cars and how insurance works for G1 drivers, so please enlighten me on the subject. I have taken and passed Driver's Ed. and I currently have my G1, but I can take my G2 anytime. If I were to buy this car, would I have to pay for insurance right now as a G1 driver, or like...what happens there? I want to be able to drive it even though I only have my G1 (and yes I realize I'd have to drive with someone else), so what do I have to do in order to get this car on the road legally, with me holding a G1 license??? Would I have to put the insurance under someone else's name or...what happens??? Do I pay insurance at all or...??? I need to know ASAP!! Thanks!!

Answer: Since you have a G1 (that means written test only), you are not required to have insurance because you are not allowed to drive alone and must always have a fully licensed & insured driver riding along with you. This is why you don't need insurance. If you want to have your own car, I would recommend you put it in someone else's name and have them insure it. If you try to insure a car under your name, it will cost you an arm and a leg - don't bother. =) Are you ready for your road test? Here's some info you might find useful: http://www.passthewheel.com/practiceTestQuestions/canada/ontario/g1/free_online_road_test_checklist.asp

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).