Insuring a G1 Driver in Ontario & Toronto

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There’s some good news when it comes to G1 drivers in your household. Because of the conditions surrounding the graduated license step formerly called the learner’s permit, there’s no immediate impact on insurance prices. You do, however, need to add the G1 driver to your policy. Let’s take a look at the G1 driver program in Ontario.

G1 Requirements

Obtaining a G1 license, the first step in Ontario’s graduated license system is very easy. There are only three requirements.

  • the person must be at least 16 years old.
  • a simple eye test is passed.
  • a short written test is passed.

The G1 candidate can test at any DriveTest Centre in the province. Testing requires original proof of identity documentation. Documents accepted include:

  • Passport (Canadian and foreign accepted).
  • Indian status card.
  • Citizenship photo card.
  • Ontario photo card.
  • Permanent resident card.
  • Study permit.

Other documents are also accepted. The complete list of acceptable ID is found here.

G1 License Restrictions

One of the reasons that insurance companies don’t charge for G1 drivers is that there must be a driver with a full G license in the vehicle. The G1 level is for the new driver to get comfortable controlling a car. This practice is under the supervision of an experienced driver, so the risk insurance companies perceive is small. The G1 license has a five year limit, but most drivers test for G2 level after 12 months. Those who complete an approved driver training program can test after 8 months. Any driving done under a G1 license must adhere to the following restrictions:

  • Zero blood alcohol — absolutely no drinking and driving
  • accompanying driver must have a full G license for at least four years
  • No driving on 400-series highways or other roads with a speed limit exceeding 80 kilometres per hour, unless the accompanying driver is a certified driver training instructor
  • no driving between midnight and 5 a.m.

Who Can Drive With a G1 Driver?

Having familiarized yourself with the Official Ministry of Transportation of Ontario’s Driver’s Handbook and having successfully passed the G1 License knowledge test you have obtained your Level 1 driver’s license and are ready to begin as one of the millions of licensed drivers on the Province of Ontario’s roadway and highway systems. Under the Province of Ontario’s graduated license program, a G1 driver license is valid for a period of 12 months during which time a new driver will familiarize themselves with the operation of a vehicle under certain restrictions.

Graduated License requirements within the Province of Ontario mandate that as a G1 license holder one must have an accompanying driver seated in the front passenger seat with you at all times while driving. The accompanying driver must meet determined qualifications. They must be the only person seated in the front seat of the vehicle with you. They are required to have a valid Class G (or higher level) license with at least four years of valid driving experience (any time with a suspended license would be subtracted from the length of valid experienced driving time). Time spent as a valid (not suspended) class G2 driver is counted toward this experience time as well. The accompanying driver’s license may have demerit points but it may not have been suspended to qualify. The accompanying driver also must not have a blood-alcohol level any higher than .05 percent while accompanying the g1 driver while operating a vehicle.

Building Qualifications

The MTO wants you to be well trained and educated with the proper knowledge and skills to lead you into many years of safe and trouble-free driving. Toward this end, The MTO does suggest and recommend new drivers take an approved driver-education course to gain as much experience as possible during level one however it is not required. With achievement in passing such an approved driver’s training program a new driver can complete the requirements for Level One (G1) license in 8 months instead of 12 months.

As it is very important that a new G1 driver is closely monitored and given adequate, knowledgeable instruction and support while driving under the graduated license program. Understandably, therefore, there must be certain requirements legally mandated by the Province of Ontario while operating a motor vehicle even as an accompanying driver.

Preparing for G2 License

Once the G1 driver tests for and obtains G2 level, insurance companies will begin to charge premiums for that driver on a car insurance policy. The driver’s youth and inexperience means higher costs. Youth, inexperience and a lack of insurance history add up to extra risk in the eyes of an insurer.

A Ministry of Transportation approved driver training program not only shortens the wait for G2 testing by four months, it also qualifies a driver for discounts on insurance at the G2 level. Enrolling in and completing such a program is a good strategy from experience, safety, and insurance viewpoints. Not all driver training schools are certified. Check here to be sure a chosen school is MTO certified.

G1 drivers doing well in school could put their good grades to work on car insurance. Some companies recognize that good grades show elevated responsibility and reward honours students with addition discounts.

In a family with more than one car, adding the G1 to an older and safer vehicle may reduce impact on premiums. Whatever insurance arrangements you make with your agent or broker, these should accurately reflect how your G1 driver uses family vehicles. Misrepresenting to the insurance company could result in claims refusals in the case of an accident.

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