Who is covered by car insurance

G1 or G2 driver licensing explained

For explanations of policy coverages please go to our What is covered by car insurance section

Insurance policy terms and conditions are as stated in the actual insurance policy wordings. Nothing stated herein is intended to modify any part of an insurance policy. If you have a specific question of significance to your situation contact your insurance advisor or contact us through E-mail with the details and we will provide specific advice.

A Class G licence in Ontario permits the holder to drive a car, van or small truck. Obtaining a Class G licence is a two step process.

To enter level one, Class G drivers must be at least 16 years old, pass a vision test and pass a written test of their knowledge of the rules of the road.

Level One lasts 12 months, but this can be reduced to 8 months if the new driver passes an approved driver education course. A Level One driver:

  • Must not drive if they have been drinking (zero blood alcohol level)
  • Must have only one passenger in the front seat and that person must have been licensed with at least 4 years experience.
  • Must limit the number of rear seat passengers to the number of seat belts available.
  • Must not drive on 400 series highways, Queen Elizabeth Way, Don Valley Parkway, Gardiner Expressway, E C Row Expressway or Conestoga Parkway.
  • Must not drive between the hours of midnight and 5 am.
  • Must drive Class G vehicles only.

Level One drivers MAY NOT need to be reported to insurer. They do not have to be declared to any insurer we represent. Check with your insurance advisor.

At the end of Level One, drivers must pass a road test to proceed to Level Two.

Level Two lasts a minimum of 12 months. Level Two drivers:

  • Must not drive if they have been drinking (zero blood alcohol level).
  • Must limit the number of people in the car to the number to seat belts available.
  • Must drive Class G vehicles only.

Level Two drivers MUST be reported to the insurer.

Full Class G licence privileges can be obtained by taking a road test.

Insurance coverages are as stated in the terms and conditions of the actual insurance policy wordings. Nothing stated herein is intended to modify any coverage of any insurance policy. If you have a specific question of significance to your situation contact your insurance advisor or contact us through E-mail with the details and we will provide specific advice.