New Driver Insurance
For many newcomers, driving in a new country or province is a very different experience and can be intimidating as the rules and regulations vary. Here at Regal Insurance, our team is committed to helping you find the right car insurance for new drivers alongside unparalleled savings.
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Why is New Driver Insurance Important?
All drivers are required to carry active vehicle insurance in Ontario. In a nut shell, new driver insurance is a contract between you and your insurance company in which a policy is purchased and a premium is paid out-of-pocket on a monthly basis to lower the costs associated with an accident. In the event of a collision, the deductible is paid, leaving the rest of the cost to be covered by the insurance company. Driving without auto insurance leaves the new driver at a vast risk in terms of cost when in an accident as well as a fine between the range of $5,000 and $50,000, and potentially your license suspended or car impounded.
If you are an immigrant from the following countries or provinces, you may get an Ontario driver license based on your past driving experience, making it easier to obtain car insurance for new drivers:
- Other territories and provinces in Canada
- Canadian Forces in Europe
- United States
- Austria, Australia, France, Great Britain, Belgium, Germany, Japan, Isle of Man, Switzerland, and Korea
If you are moving to Kitchener, Waterloo, Cambridge or London from outside of these areas, it may be more difficult to receive auto insurance strictly because there is no prior driving history in Ontario and the Ministry of Transportation will not give you recognition of your driving experience from your country of origin.
We understand the complexities that come with getting multiple new driver insurance quotes and as an independent insurance broker, we are able to continue our relationships with several insurance companies, allowing us to carefully assess and negotiate the best premiums so you can get the utmost car insurance for new drivers.
Our Insurance Brokers are continuously trained through RIBO (Registered Insurance Brokers of Ontario) approved programs to better understand what’s right for you and your budgetary concerns. We pride ourselves on providing prompt and personal service while sharing our knowledge and best recommendations.
Get your new driver insurance quote today!
Connect with our brokers for customized insurance solutions that outdo big providers. Specializing in new driver insurance, we ensure you receive the right coverage at the best possible price.
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Young Driver Insurance
Ontario New Driver Car Insurance Frequently Asked Questions
The first step to establishing your auto insurance record in Ontario is to get started as soon as you can. The easiest way to achieve this is by being added to your parents insurance policy right after receiving your G1 driver’s licence. If you are a parent with teenage children who are soon to reach driving age, this is something to keep in mind. Once a driver is connected to an insurance policy, the longer they can stay claim-free will increase their ability to get better rates.
Enrolling and completing a government-approved young drivers training program in Ontario can help you become a more confident, responsible, and safe driver. In addition to gaining essential and enhanced driving skills, which are important assets when driving on Ontario’s busy roads and highways, you could also benefit from discounts of up to 20% offered by insurance companies.
If you live in the same household with your parents, have a G2 or G licence and drive your parents car on a daily or weekly basis, it is recommended that you are listed on your parents insurance policy as a secondary driver.
The G1 drivers licence, also known as the learner’s permit, requires you to be at least 16 years old, pass an eye exam, and pass a written test on road traffic regulations and signs. With the G1 licence, you can start driving but there are certain limitations. You must have a full G-licence holder present in the passenger seat, driving is not permitted between 12:00am and 5:00am, and you are not permitted to drive on 400-highways.
The ability to apply for your G2 licence depends on whether you have completed a driver training program. If you haven’t taken a Ministry of Transportation-approved driving school program, you will need to have held your G1 licence for a full year before you are eligible to apply for your G2. If you have completed an accredited driver training program, you will be eligible after you’ve held your G1 for 8 months. To achieve your G2 licence, you will be required to pass a road test.
Passing a road test is a requirement to achieve your G2 licence in Ontario. Once you are a G2 licenced driver, you are no longer required to have an experienced driver as a passenger. A key restriction that you are limited to 0% blood-alcohol concentration while driving.
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