In Ontario, adding a G2 driver to your car insurance policy is a common practice, especially for parents who want to help their children learn how to drive. However, it’s important to keep in mind that adding a new driver to your policy can affect your insurance premiums.

When you add a G2 driver to your policy, the insurance company will assess their risk level based on factors such as age, driving experience, and driving history. Generally, younger drivers and those with less experience will be considered higher risk, which could result in higher insurance premiums.

To add a G2 driver to your policy, you’ll need to contact your insurance provider and provide them with the driver’s information. The insurance company may require the driver to take a driver’s training course, provide proof of their G2 license, and submit their driving record.

Once the G2 driver is added to your policy, they will have the same coverage as you do. It’s important to educate the new driver about the terms and conditions of your insurance policy, such as the deductible and coverage limits, to ensure that they understand their responsibilities and obligations as a driver on your policy.

How to add

Here are the step-by-step instructions on how to add a G2 driver to your car insurance policy in Ontario:

1. Contact your insurance provider: Call or email your insurance provider and inform them that you want to add a G2 driver to your policy. They will provide you with the necessary information and requirements to proceed.
2. Provide driver information: You will need to provide the driver’s information, such as their name, date of birth, and driver’s license number. The insurance company may also require the driver to take a driver’s training course.
3. Submit driving record: The G2 driver may need to submit their driving record to the insurance company. This record will show any previous accidents, convictions, or license suspensions.
4. Determine the cost: The insurance company will assess the G2 driver’s risk level and provide you with the cost of adding them to your policy. This may increase your insurance premiums.
5. Review policy terms and conditions: Before adding the G2 driver to your policy, review the terms and conditions of your policy with them. Make sure they understand their obligations and responsibilities as a driver on your policy, such as the deductible and coverage limits.
6. Make the payment: Once you agree to the cost and terms, you will need to make the payment to add the G2 driver to your policy.
7. Receive confirmation: After payment, you will receive confirmation that the G2 driver has been added to your policy. They will have the same coverage as you do and will be able to drive your vehicle legally.

How much does it cost to add a G2 driver to insurance Ontario?

it’s difficult to provide a specific cost increase as every situation is unique. Please note that these are only estimates, and your actual cost increase may vary.

1. Toronto: $1,500 – $3,000 per year
2. Ottawa: $1,000 – $2,000 per year
3. Mississauga: $1,500 – $2,500 per year
4. Brampton: $2,500 – $3,500 per year
5. Hamilton: $1,500 – $2,500 per year
6. London: $1,000 – $2,000 per year
7. Markham: $1,500 – $2,500 per year
8. Vaughan: $1,500 – $2,500 per year
9. Kitchener: $1,000 – $2,000 per year
10. Windsor: $500 – $1,500 per year

Please keep in mind that these are only estimates and your actual cost increase may be higher or lower depending on your specific situation. It’s best to contact your insurance provider directly for a personalized quote.

The Dos and Don’ts of Adding a G2 Driver to Your Car Insurance Policy in Ontario

Here are some dos and don’ts to keep in mind when adding a G2 driver to your car insurance policy in Ontario:

Dos:

1. Do educate the driver: It’s important to educate the G2 driver about the terms and conditions of your insurance policy, such as the deductible and coverage limits. Make sure they understand their responsibilities and obligations as a driver on your policy.
2. Do encourage safe driving habits: Encourage safe driving habits by setting rules and expectations for the G2 driver, such as no texting while driving and always wearing a seatbelt. This will not only keep them safe but also help prevent accidents and potential insurance claims.
3. Do consider usage-based insurance: If the G2 driver will not be driving your vehicle very often, consider usage-based insurance. This type of insurance allows you to pay based on the number of kilometres driven, which can help you save money on insurance premiums.
4. Do shop around for quotes: Shop around for quotes from different insurance providers to compare costs and coverage. Different insurance companies may offer different rates based on their risk assessment of the G2 driver.
5. Do take advantage of discounts: Look for discounts that you may be eligible for, such as multi-vehicle discounts or good student discounts. These discounts can help you save money on your insurance premiums.

Don’ts:

1. Don’t hide information from the insurance company: Be honest about the G2 driver’s information, including their driving history and experience. Failure to disclose this information could result in your insurance claim being denied.
2. Don’t assume your premiums won’t increase: Adding a G2 driver to your policy can result in an increase in your insurance premiums. Make sure to budget for this increase and plan accordingly.
3. Don’t neglect your policy: Review your policy regularly and make adjustments as needed. If the G2 driver no longer needs to be on your policy, make sure to remove them promptly to avoid any unnecessary costs.
4. Don’t let the G2 driver use your vehicle without permission: Make sure the G2 driver understands that they are only allowed to use your vehicle with your permission. Failure to do so could result in your insurance claim being denied.
5. Don’t forget to monitor your insurance premiums: Keep an eye on your insurance premiums after adding a G2 driver to your policy. If you notice a significant increase, you may want to consider shopping around for better rates or adjusting your coverage.

In conclusion, adding a G2 driver to your car insurance policy in Ontario requires some careful consideration. Follow these dos and don’ts to ensure that you are making informed decisions and protecting yourself financially.