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Thread: Beginner driver ins?

  1. #1
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    Beginner driver ins?

    My son is starting to drive soon. Does he need insurance to drive on a learner permit? (I know this is no longer the lingo, but my last exp. with this was 33 years ago)
    There are no other drivers in the home and I have several vehicles. Does he automatically become primary driver on one of them?
    Thanks
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    usually yes but unless you have an agreement with your ins that conditional drivers won't drive your car I wouldn't say anything unless they ask you as long as you follow the conditions of the licence IE 0 blood alcohol/ driver with over minim experience in the passenger seat no 400 series hwy you will be covered. But on the other hand the sooner you can have him on as an occasional driver the better his ins rating will be.

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    With a G1 licence, they are not insurable yet, they get covered under the cars insurance.
    As a G2 you must list them on the policy

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    ^correct a g1 is covered in any car with a g class rating a g2 is not, the driver beside them also has to have had there license for 4 years or more
    Last edited by lemon; 01-29-2013 at 06:49 PM.

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    Even when I had my G1 I was listed as an occasional driver and I was told this wold give me better rates for insurance when I got my own when I got my G2
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    Quote Originally Posted by Jenna View Post
    Even when I had my G1 I was listed as an occasional driver and I was told this wold give me better rates for insurance when I got my own when I got my G2
    Thank you I know of at least 5 G1 drivers that are insured as occasional and yes G2 are covered for under occasional use IE to the store for milk unless there's a condition that you need approval from ins first. My sister was just in this situation with her daughter last month where someone hit her if she wasn't on as occasional she would have use of the car for under 2000k a year.

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    going threw this right now with my wife it doesnt matter if theres more than 1 vehical in the house hold he will be insured on them and 1 he will be insured as a primary no exceptions was what i was told so get ready and as far as being added with a g1 and it makeing a differance it doesnt the ins wont drop till the full g is obtained

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    Check with your insurance company, mine said my son is covered for free until he gets his G2. But they had me send in a copy of his liceince so he could start building a record.
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    With the G1 licence there would be no charge as it's still a leaners permit. When he gets his G2 then you are looking at an additional charge. The amount will be less if he completes Drivers training.
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    Quote Originally Posted by kmann View Post
    going threw this right now with my wife it doesnt matter if theres more than 1 vehical in the house hold he will be insured on them and 1 he will be insured as a primary no exceptions was what i was told so get ready and as far as being added with a g1 and it makeing a differance it doesnt the ins wont drop till the full g is obtained
    You need to change ins company this one is trying to milk you any ins is ins experiences so you start at g1 by the time you are full g you have two years experiences and you should be able to have him as part time at least till he gets g2 change companies. My friend has two twin daughters and five vehicles and was able to ins one as part time for five years and one till she got her g2 and started driving a car on the regular.

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    ^ Check with your insurance company if this is true first. They said the same thing about my Driver's training course and the Motorcycle Training Course... neither made a lick of difference when it came to my insurance company.
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    state farm also gave good student discounts for good grades and it was significant. I had this with one of my sons
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    Quote Originally Posted by Cormega View Post
    With the G1 licence there would be no charge as it's still a leaners permit. When he gets his G2 then you are looking at an additional charge. The amount will be less if he completes Drivers training.


    This is how the company i work for does it as well. There is discounts for drivers training as long as its an accredited school. Always make sure you ask that question if they are a accreditted driving school.
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    I'm in the same boat as jeeper. I'm with State Farm ins, I save around 75 bukz a month to insure my son with a G2.
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