Automotive

Car Insurance for Child who just got G2

  • Last Updated:
  • Nov 3rd, 2020 10:33 am
[OP]
Member
Nov 9, 2006
384 posts
64 upvotes

Car Insurance for Child who just got G2

So my Daughter just passed her drivers test and now has her G2. 1 step away from full fledged G license.
She will rarely be driving either of my 2 cars. Maybe twice per week for less than 50 KMs/Week
Do I need to put her on my Car Insurance as an occasional driver?
36 replies
Temp. Banned
Jun 4, 2020
1634 posts
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Clarington, ON
Yes.

Be glad she's a daughter not a son.
Deal Expert
Jan 15, 2006
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Richmond Hill
If she’s in the same household. Yes.
Penalty Box
Mar 23, 2004
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KevinM56081 wrote: Yes.

Be glad she's a daughter not a son.
Not really:


Young ppl do stupid shit, esp. when it comes to driving. It also often turns out badly, largely because driver training, testing, and licensing is so pathetic in places like Can, US.
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Jul 29, 2019
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Yes, you should. I think it also benefits her in the future with insurance as well but I can't exactly remember.
Deal Guru
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Mar 10, 2005
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ronatola wrote: So my Daughter just passed her drivers test and now has her G2. 1 step away from full fledged G license.
She will rarely be driving either of my 2 cars. Maybe twice per week for less than 50 KMs/Week
Do I need to put her on my Car Insurance as an occasional driver?
Yes
"If you want to improve, be content to be thought foolish and stupid." - Epictetus
Temp. Banned
Jun 4, 2020
1634 posts
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Clarington, ON
ES_Revenge wrote: Not really:


Young ppl do stupid shit, esp. when it comes to driving. It also often turns out badly, largely because driver training, testing, and licensing is so pathetic in places like Can, US.
My 24 yo coworker destroyed a 50k suv in an accident she was at fault for. She pays less then I did at 19 years old for a $2500 shitbox woth liability. Be glad she doesn't have a penis.
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Aug 18, 2011
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Toronto
Like an above poster mentioned it will greatly benefit her in the future when she eventually gets her own insurance. One really important thing is keeping records for her proof that she was insured so in the future when she goes solo it won't be like it's her first time being insured and gets charged the insane first time driver or whatever rate
Deal Fanatic
Aug 29, 2011
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Mississauga
KevinM56081 wrote: Yes.

Be glad she's a daughter not a son.
Indeed. My son got his G2 in September and the cost to add him to just one of our vehicles as an occasional driver was breathtaking.
Deal Guru
Oct 7, 2010
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Yes. For me it will not be free. Kid gotta pay out of pocket for their portion.
Penalty Box
Mar 23, 2004
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KevinM56081 wrote: My 24 yo coworker destroyed a 50k suv in an accident she was at fault for. She pays less then I did at 19 years old for a $2500 shitbox woth liability. Be glad she doesn't have a penis.
Ah yes on insurance cost that's a good point perhaps. In term of her possibly doing something stupid and destroying a car or hurting herself...you never know. Well I mean if it's your kid you probably should have a good idea of their propensity for doing stupid shit (or not); but, a lot of times parents are also "shocked their son/daughter would do something like this" so yeah.
Member
Jul 21, 2013
317 posts
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Toronto
VanillaDonut wrote: Yes, you should. I think it also benefits her in the future with insurance as well but I can't exactly remember.
As someone who didn’t get the benefit of this , I can attest to the thousands yearly you’re saving your daughter by doing this.
Newbie
Oct 24, 2020
1 posts
im 19yo male in kitchener on paying $293/mo for a 2011 ford ranger :/ g2 btw
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Aug 11, 2008
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Ontario
yes you need to advise your insurance that she now has her G2. if you are currently the only lic'd driver in the household with 2 cars, she will now be primary on one of them. 2 cars need 2 drivers. If your daughter is now the 3rd licd op in the houshold, you'll just add her as an occ'l op. Make sure you provide your insurer with her drivers history report which you can get from service ontario to show her completion of drivers ed.
ronatola wrote: So my Daughter just passed her drivers test and now has her G2. 1 step away from full fledged G license.
She will rarely be driving either of my 2 cars. Maybe twice per week for less than 50 KMs/Week
Do I need to put her on my Car Insurance as an occasional driver?
RIBO LICENCED INSURANCE BROKER, over 35 years experience
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May 18, 2002
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Brampton
ronatola wrote: WOW that's alot.
Depends. If its 293/mo as a primary driver, thats getting off easy. If that is the cost as an occasional driver, yup its a bit high.
INFORMATION: The requested thread does not exist.
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May 18, 2002
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Brampton
ronatola wrote: So my Daughter just passed her drivers test and now has her G2. 1 step away from full fledged G license.
She will rarely be driving either of my 2 cars. Maybe twice per week for less than 50 KMs/Week
Do I need to put her on my Car Insurance as an occasional driver?
According to my insurance company, you have to either add a G2 driver to the policy or sign an exclusion promising that they will not drive any of your vehicles.
INFORMATION: The requested thread does not exist.
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Mar 17, 2006
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Burlington
KevinM56081 wrote: Yes.

Be glad she's a daughter not a son.
are we now, able to sue Insurance companies for discrimination against genders?

And with all the identity politics, can an 18yo male identify himself as 45yo female to get cheap rate?

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