(Dear Keep It Between The Lines)
My 16 year old has recently acquired his G2 license but how does this work for insurance? Is he allowed to still drive my vehicle if I am also in it or does he need a separate policy? If he drives independently does he also need a separate policy?
Thank you for your question:
Once a G1 License Holder passes their first Road Test, they get the independent learner portion of their Graduated Drivers License (in Ontario) called the G2.
When the G1 License Holder was practicing with their Co-Driver there was no need for the Learner to have their own Insurance. The Co-Driver must be insured, and the insurance must be valid.
Once the G1 License Holder earns their G2 License by passing their first Road Test, they are required to be insured.
The owner of the car the New G2 Holder will drive can put the New Driver on the Insurance as a Secondary Driver, if they are truly drive that vehicle secondary to another driver.
If there is a family vehicle that The New G2 Driver would get to drive the majority of the time without sharing, then they need and Interdependent Policy.
If the vehicle is of a Corporation Fleet, the Fleet Insurance Policy, and Fleet Contract may have limitations and stipulations about who can and cannot drive the insured contracted vehicle. Sometimes Fleet Insurance will not allow a G2 License holder to be covered at all, and there could also be an age minimum, or and experience yrs minimum(must hold G for 5 yrs to qualify) for G License Holders.
Insuring a G2 License Holder has varying costs:
-Girls get cheaper Insurance than Guys as a Secondary Driver.
-each Subsiquent Secondary Driver's Insurance on a Vehicle can be discounted in price. So if 4 people share a family vehicle the Three Secondary Drivers could each pay a bit cheaper price. Usually the one with the least experience will be the most expensive, the one that has the most experience and possibly holds a G License would be the least expensive secondary driver.
-G2 License holders who drive their own vehicle, or are a principle driver on a family vehicle will have to be insured independantly, and that cost is very high. The insurance company is taking a big risk with new primary drivers, so the price of their policy is more expensive.
-If the Fee Payer for the Insurance is Not the G2 License Holder then be careful about your choice to take responsibility for the Insurance Contract.
Make sure you read the back of the New Temporary License your Son has so you know the regulations binding them to their license and Your Insurance.
(Note: as of Oct 1st cell phone and text messaging are banned by law from Ontario Roads. Make sure you find out from the Insurance Company what their policy is about their coverage of crashes that involve cell phone use. If one uses alcohol and gets in a crash the Insurance is Void, so it is very possible that If One uses a cell phone or text messages and gets in a crash the Insurance could be void too.)
Friday, September 25, 2009
Monday, March 2, 2009
Why I Chose to Work With Young Drivers Of Canada
When I was 16 I took my learner's written test on my birthday.
I passed the first time and I was so excited to learn to drive.
Well, my Dad was a cop in Toronto.
He told me I could only learn to drive from Young Drivers Of Canada.
He said driver safety instruction was really important. In my day, Young Driver's of Canada was the most well-known Driving School that had driver safety classes.
I am 47 this year.
On my 16th birthday when I signed up for Young Drivers Of Canada the cost was around $600.00.
That included my lessons in the car, plus in-class instruction classes for driver safety, and one attempt at the road test in the instructor's car.
In the years starting in 2003 I began to work with Young Drivers of Canada as an in-class and in-car instructor, after a career as a professional transport truck driver.
The costs for the classes and lessons is not too much more than what I paid years and years ago for my instruction. Now there are extra packages to cover road tests now that there are two you must pass, and ones for brushing up on skills, and ones for seniors who need help with their seniors road test too.
Young Drivers Of Canada is the only driver education facility that is certified by the Government to be able to run their own training program for their instructors. The training program is very intense. It is just like the college programs you can take, but it also covers patented driving approaches only taught by Young Drivers of Canada.
Young Drivers scrutinizes their programs constantly. They have a survey that every student must complete to ensure that they had good customer service. All customer service related issues are documented and followed-up by the main and head-offices.
Young Drivers works very hard to make sure everyone learns the same stuff in their program, and their instructors are trained to teach to all learning styles.
Folks like me specialized in working with folks that had very specialized learning styles, and we would develop one-on-one programs for folks with learning issues so every student would finish their program with the same skill-set.
Young Drivers Of Canada is a very professional company. Their staff is dedicated to making the driving experience positive.
I had a positive experience as a student with Young Drivers Of Canada, and I wished to work for the same company who gave me so much driving confidence. It was the best experience of my life-teaching others to drive.
I passed the first time and I was so excited to learn to drive.
Well, my Dad was a cop in Toronto.
He told me I could only learn to drive from Young Drivers Of Canada.
He said driver safety instruction was really important. In my day, Young Driver's of Canada was the most well-known Driving School that had driver safety classes.
I am 47 this year.
On my 16th birthday when I signed up for Young Drivers Of Canada the cost was around $600.00.
That included my lessons in the car, plus in-class instruction classes for driver safety, and one attempt at the road test in the instructor's car.
In the years starting in 2003 I began to work with Young Drivers of Canada as an in-class and in-car instructor, after a career as a professional transport truck driver.
The costs for the classes and lessons is not too much more than what I paid years and years ago for my instruction. Now there are extra packages to cover road tests now that there are two you must pass, and ones for brushing up on skills, and ones for seniors who need help with their seniors road test too.
Young Drivers Of Canada is the only driver education facility that is certified by the Government to be able to run their own training program for their instructors. The training program is very intense. It is just like the college programs you can take, but it also covers patented driving approaches only taught by Young Drivers of Canada.
Young Drivers scrutinizes their programs constantly. They have a survey that every student must complete to ensure that they had good customer service. All customer service related issues are documented and followed-up by the main and head-offices.
Young Drivers works very hard to make sure everyone learns the same stuff in their program, and their instructors are trained to teach to all learning styles.
Folks like me specialized in working with folks that had very specialized learning styles, and we would develop one-on-one programs for folks with learning issues so every student would finish their program with the same skill-set.
Young Drivers Of Canada is a very professional company. Their staff is dedicated to making the driving experience positive.
I had a positive experience as a student with Young Drivers Of Canada, and I wished to work for the same company who gave me so much driving confidence. It was the best experience of my life-teaching others to drive.
Thursday, February 19, 2009
The G2 and G are Not Your Father's Road Test!
A note to parents:
It is really important to know that what you learned when you were a teen about driving is not what teens need to know now.
The population of the cities in Ontario are 30 times greater than when we were young. The laws are very strict for the new G2 driver and you need to know what those laws and regulations are when you are planning to add your teen or new driver to your vehicle insurance as secondary drivers.
The G2 is only a learner's permit in other Provinces and other Countries. This means that a G2 license holder from Ontario who gets accepted to University in another Province or the USA, cannot assume they will be able to drive in their new School City. In many Provinces the G2 is not considered any more than a learner's permit like the G1, and definitely in the USA you cannot expect to drive on your own with the Ontario G2. So dreams of 17-year-olds taking a road trip to from Ontario to Montreal or Hull, or taking a road trip to Florida for spring break and exercising independence is illegal!
There are rules about what the G2 driver can do with the number of passengers, and who the passengers are, depending on their age. So you cannot expect your teen to be able to drive the hockey team to practice legally after they get their license. You need to be aware of the rules of this day and age.
There is no room for alcohol related offenses in your insurance contract. Everyone one who drinks and drives will have VOID insurance if it can be proven they have done so.
Even influences of some prescription drugs and illegal recreational drugs will render insurance VOID if it can be proven.
Before you just automatically add a person to your insurance as a secondary driver please know the consequences of misinforming the Insurance company about the frequency of use a secondary driver has on a vehicle, and not understanding the laws and regulations about operating a vehicle under the influence of drugs or alcohol can effect you for the rest of your life.
If you have never had "The Drugs and Alcohol" talk with your teen, it is an absolute must for you now. Don't be surprised to find out the MTO uses roadside urine tests if necessary to test for drugs. What really happens when a person drives under the influence of Marijuana? Do you know? Now it is time for you to find out.
It is really really important that you read the drivers handbook your teenage child has. You also need to know what it says on the back of the temporary license of your teen. You need to know rules that the student driver who is on your insurance must abide by, because the rules are not the same for you.
There are also rules you must abide by as the Co-driver who takes the driver with a learner's permit out to practice. You cannot have any alcohol in your system accept the amount you might get if you rinsed your mouth with an alcohol mouth wash if you are sitting in the passenger seat helping your child practice driving.
You also must sit in the passenger seat, not the back seat.
You also are restricted to certain times of the day you can take your new learner out to practice, and you cannot take them on a 400 series HWY. Drivers that hold a G1 can only go on a 400 series HWY or freeway with a licensed driving instructor. Parents really need to know what a Freeway or 400 series HWY is identified as.
It is really important to know that what you learned when you were a teen about driving is not what teens need to know now.
The population of the cities in Ontario are 30 times greater than when we were young. The laws are very strict for the new G2 driver and you need to know what those laws and regulations are when you are planning to add your teen or new driver to your vehicle insurance as secondary drivers.
The G2 is only a learner's permit in other Provinces and other Countries. This means that a G2 license holder from Ontario who gets accepted to University in another Province or the USA, cannot assume they will be able to drive in their new School City. In many Provinces the G2 is not considered any more than a learner's permit like the G1, and definitely in the USA you cannot expect to drive on your own with the Ontario G2. So dreams of 17-year-olds taking a road trip to from Ontario to Montreal or Hull, or taking a road trip to Florida for spring break and exercising independence is illegal!
There are rules about what the G2 driver can do with the number of passengers, and who the passengers are, depending on their age. So you cannot expect your teen to be able to drive the hockey team to practice legally after they get their license. You need to be aware of the rules of this day and age.
There is no room for alcohol related offenses in your insurance contract. Everyone one who drinks and drives will have VOID insurance if it can be proven they have done so.
Even influences of some prescription drugs and illegal recreational drugs will render insurance VOID if it can be proven.
Before you just automatically add a person to your insurance as a secondary driver please know the consequences of misinforming the Insurance company about the frequency of use a secondary driver has on a vehicle, and not understanding the laws and regulations about operating a vehicle under the influence of drugs or alcohol can effect you for the rest of your life.
If you have never had "The Drugs and Alcohol" talk with your teen, it is an absolute must for you now. Don't be surprised to find out the MTO uses roadside urine tests if necessary to test for drugs. What really happens when a person drives under the influence of Marijuana? Do you know? Now it is time for you to find out.
It is really really important that you read the drivers handbook your teenage child has. You also need to know what it says on the back of the temporary license of your teen. You need to know rules that the student driver who is on your insurance must abide by, because the rules are not the same for you.
There are also rules you must abide by as the Co-driver who takes the driver with a learner's permit out to practice. You cannot have any alcohol in your system accept the amount you might get if you rinsed your mouth with an alcohol mouth wash if you are sitting in the passenger seat helping your child practice driving.
You also must sit in the passenger seat, not the back seat.
You also are restricted to certain times of the day you can take your new learner out to practice, and you cannot take them on a 400 series HWY. Drivers that hold a G1 can only go on a 400 series HWY or freeway with a licensed driving instructor. Parents really need to know what a Freeway or 400 series HWY is identified as.
Why Am I Doing This?
My Youngest Son is prepping for his G road test. It suddenly occurred to me that I still have lots to say about driving instruction and driving. As I was sitting in the car giving pointers to my Son while he's prepping for his final road test, I thought, "Why haven't I written a blog about the road tests, and share all my pointers now I have the time to do it?"
So I decided it is time I shared....
It has been a while since I got the medical injury that made it impossible for me to teach driving at this time, and I have not sat in the passenger side of the vehicle in "Instructor Mode" and thought about driving all that much.
Well, that is a bit of an lie. My family will tell you that I may not sit in the passenger seat and consciously take on the Instructor role, but unconsciously (to the bane of everyone in my family) I am still the daily Driving Instructor. LOL
Can you imagine how absolutely horrible it is for my Kids who had the Mom that was an ex race car driver, retired long haul trucker, and Driving Instructor! I know that if I was my kids I would be absolutely mortified and embarassed....... suction cup sign on the top of one of the cars in the driveway. And that was after I turned in my transport truck that sat in the driveway!
I obviously was not the average Mom. I didn't wear tennis shoes and sweaters tied over my shoulders. I always had a trucker vest and velour track suits!
I have been known to honk the horn for a driver in my car, grab the wheel if anyone is going to rub a curb, and do emergency maneuvers using the parking hand break when necessary.
Which is great when you are learning to drive but not so great when you have been driving for 37 years like my husband!
I loved teaching driving and classroom driver safety classes. It was the most rewarding job of my life. I often tell my peers that all I learned about life and teens I learned teaching driver safety. I think that teens are awesome, and I really enjoyed teaching new Canadians how to drive, and I had so much fun helping Senior Citizens prepare for their senior road tests.
It wasn't until I got in the car with my Son in these last weeks, and realized how much I missed teaching driving. I was really charged by giving him pointers and telling him my instructor spiel about prepping for the G road test.
So here I am...ready to share my best knowledge with you. I hope that this will help you.
I encourage everyone who needs to do the G2, and G road test to get driving lessons from a certified and licensed Driving Instructor. Plus, to help you understand the whys and wherefores of driving take a Certified Driver Safety class.
So I decided it is time I shared....
It has been a while since I got the medical injury that made it impossible for me to teach driving at this time, and I have not sat in the passenger side of the vehicle in "Instructor Mode" and thought about driving all that much.
Well, that is a bit of an lie. My family will tell you that I may not sit in the passenger seat and consciously take on the Instructor role, but unconsciously (to the bane of everyone in my family) I am still the daily Driving Instructor. LOL
Can you imagine how absolutely horrible it is for my Kids who had the Mom that was an ex race car driver, retired long haul trucker, and Driving Instructor! I know that if I was my kids I would be absolutely mortified and embarassed....... suction cup sign on the top of one of the cars in the driveway. And that was after I turned in my transport truck that sat in the driveway!
I obviously was not the average Mom. I didn't wear tennis shoes and sweaters tied over my shoulders. I always had a trucker vest and velour track suits!
I have been known to honk the horn for a driver in my car, grab the wheel if anyone is going to rub a curb, and do emergency maneuvers using the parking hand break when necessary.
Which is great when you are learning to drive but not so great when you have been driving for 37 years like my husband!
I loved teaching driving and classroom driver safety classes. It was the most rewarding job of my life. I often tell my peers that all I learned about life and teens I learned teaching driver safety. I think that teens are awesome, and I really enjoyed teaching new Canadians how to drive, and I had so much fun helping Senior Citizens prepare for their senior road tests.
It wasn't until I got in the car with my Son in these last weeks, and realized how much I missed teaching driving. I was really charged by giving him pointers and telling him my instructor spiel about prepping for the G road test.
So here I am...ready to share my best knowledge with you. I hope that this will help you.
I encourage everyone who needs to do the G2, and G road test to get driving lessons from a certified and licensed Driving Instructor. Plus, to help you understand the whys and wherefores of driving take a Certified Driver Safety class.
Answers To: Dear Keep It Between The Lines
You will be able to find Posts by Me under this label.
Here is where I will answer as many questions from Comments posted under the label Dear Keep It Between The Lines.
You can find the labels in the right margin of the blog.
The labels are tags that I will use to organize the info in here to help you navigate around the information.
Here is where I will answer as many questions from Comments posted under the label Dear Keep It Between The Lines.
You can find the labels in the right margin of the blog.
The labels are tags that I will use to organize the info in here to help you navigate around the information.
Dear Keep It Between The Lines:
If you have questions I encourage you to ask them. I want to make this easy on all of us so I am inviting you to ask your questions in the Comments at the bottom of this post. I will do my best to answer the questions in a post. There will be labels in the margin of the blog and you can follow my answers to the questions if you click on the label titled: "Answers to: Dear Keep It Between The Lines"
Please make sure you look through the other comments, because if someone else has asked the same question as you in comments in the past, there will already be a post on the blog answering your question, so you should seek that out, as I won't waste a post to re-direct you to a past post.
Please Check the Labels in the Right Margin of the blog to see the information that has already been posted.
I will answer only questions about Driving in Ontario, Canada.
I will answer only questions about Driving, Driving Education, and Driver Safety Instruction in Ontario Canada.
I will delete anything not Ontario Driving Related.
I will not put-down, or speak negatively about any Driving Instruction Company in Canada, current or past-existing.
I will delete remarks in comments that shed an unfavorable light on any Ontario Driving Instruction Company.
I will not put-down Driving Testers or Staff of Drivetest- the official Ontario Driving Testing Facilities.
If you find that I have said something about driving instruction that is not current enough please let me know if I have missed some new news about changes and I will research it and post the newest changes I may have missed. I really want to be certain the info is current, so I really appreciate knowing if I am behind on my Driving News and Info, and I am only human and may forget to upgrade something.
Please make sure you look through the other comments, because if someone else has asked the same question as you in comments in the past, there will already be a post on the blog answering your question, so you should seek that out, as I won't waste a post to re-direct you to a past post.
Please Check the Labels in the Right Margin of the blog to see the information that has already been posted.
I will answer only questions about Driving in Ontario, Canada.
I will answer only questions about Driving, Driving Education, and Driver Safety Instruction in Ontario Canada.
I will delete anything not Ontario Driving Related.
I will not put-down, or speak negatively about any Driving Instruction Company in Canada, current or past-existing.
I will delete remarks in comments that shed an unfavorable light on any Ontario Driving Instruction Company.
I will not put-down Driving Testers or Staff of Drivetest- the official Ontario Driving Testing Facilities.
If you find that I have said something about driving instruction that is not current enough please let me know if I have missed some new news about changes and I will research it and post the newest changes I may have missed. I really want to be certain the info is current, so I really appreciate knowing if I am behind on my Driving News and Info, and I am only human and may forget to upgrade something.
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