Insurance Question? (Student + Single Car)

I am currently 17, almost 18, with a G License... am I required to be added on to a vehicle (my dad's)? What if I borrow his car (i.e. pickup medicine), will his coverage be extended to cover me?

I currently find it is a waste of money, spending 1.5K to add me as secondary when I drive <10km a week now.

Originally Posted by Kevin T

I am currently 17, almost 18, with a G License... am I required to be added on to a vehicle (my dad's)? What if I borrow his car (i.e. pickup medicine), will his coverage be extended to cover me?

I currently find it is a waste of money, spending 1.5K to add me as secondary when I drive <10km a week now.

Your dad has to add you. It is not a choice. Your dad is required to list everyone who has driver license and lives with him.

Dpending on the insurance company, he can sign and exclusion which states that you are not allowed to touch his car.

You will accumulate "insurance experience" so the premium will come down in the the future. You pretty much do not have much choice if you are going to drive his vehicle.

I think you can get away with it so long as you don't live at your parent's house.

I don't fully understand how it worked, but being that I live away from home (going to school), I don't need to be insured to drive my parent's vehicles.

depending on the insurance agent or company, in black and white the primary holder is "required" to list everone in the household with a valid license....

i had my first accident in my moms car 2 days before i was getting my, and the agent just said i can let you pass this once but no 2nd. 2nd time when i hit a deer wit my dads car the agent ask my dad why i wasnt listed in his policy, he said we dont live in the same household, so agent says ok and let the claim through.

Yeah i know that one about the not living in the same house thing. That's one loop hole. My nephew got in an accident and said he did not live in the same house as his dad and the insurance just said ok. Not good to lie and say you don't when you do though in case they want proof. Otherwise all drivers who could potentially drive the car ie have a valid driver's license must be covered under the primary insurance holder's insurance.

Originally Posted by gh05t

Yeah i know that one about the not living in the same house thing. That's one loop hole. My nephew got in an accident and said he did not live in the same house as his dad and the insurance just said ok. Not good to lie and say you don't when you do though in case they want proof. Otherwise all drivers who could potentially drive the car ie have a valid driver's license must be covered under the primary insurance holder's insurance.

i dont live in the same house with my parents.... but still if you go drive your buddys car and crash it, his or hers company will no doubt cover the claim, its common sense.

Originally Posted by Kevin T

I am currently 17, almost 18, with a G License... am I required to be added on to a vehicle (my dad's)? What if I borrow his car (i.e. pickup medicine), will his coverage be extended to cover me?

I currently find it is a waste of money, spending 1.5K to add me as secondary when I drive <10km a week now.

Wow, that is brutal. My daughter was only about $300 to add onto my policy. Of course, I drive a 96 minivan, so that probably kept the price down.
Whatever you do, don't take any chances not being insured - if anything happens, you'll never be able to afford insurance. Also, your Dad will pay the price on his policy as well. Good Luck.

Girls are cheaper to insure than guys.

With a G licence you are pretty much stuck to be insured under your parents policy.
I can't see an insurance company touch you with a stick.

Get your g1 and g2 with driver training asap.

Amd yes if you live in your parents place and you have a drivers licence then they have to add you to their policy...

Just be wise driving, it's not problematic if you have an accident, but please do not and I repeat do not get a conviction, or worse get caught DUI...

That will destroy your chances with insurance for years and I mean alot of years.

I have my G, which is the full license, I already finished the graduated licensing (G1, G2, w/ valid MTO Driving Course).

I have no convictions. Any loopholes? Male insurance is around 1200-1500. My cousins live nearby, and there are no nothing on my name under the home address (we use a postal box), would it be a better choice?

I am fairly safe, but can be safer if I do proceed with this. I know a few friends who are doing this way too, and fortunately nothing has happened. And universitie is coming up, which makes a better excuse to why im "not" living at home.

Help guys, 1.5G is alot, and I plan to have my own car for school purpose in the fall, I can afford the car payments, but not insurance. So if I were to drop my name, the cost of owning 2 cars without my name would be equivalent

You got it backwards. The steps involved: G1 -> G2 -> G (final step)

Originally Posted by HammerJoe

Girls are cheaper to insure than guys.

With a G licence you are pretty much stuck to be insured under your parents policy.
I can't see an insurance company touch you with a stick.

Get your g1 and g2 with driver training asap.

Amd yes if you live in your parents place and you have a drivers licence then they have to add you to their policy...

Just be wise driving, it's not problematic if you have an accident, but please do not and I repeat do not get a conviction, or worse get caught DUI...

That will destroy your chances with insurance for years and I mean alot of years.

Yeah It's a waste of MONEY, and for me 3/4th of the time I couldn't use my dad's car...which sucked, so I got my own car with my own insurance, 3rd party

Originally Posted by t_ginuwine

Yeah It's a waste of MONEY, and for me 3/4th of the time I couldn't use my dad's car...which sucked, so I got my own car with my own insurance, 3rd party

Thats what another buddy of mine does and he uses a different company as well and lives in the basement.

What does it mean by third party? Liability only (decline in Collision/Comprehensive)? And what does that cover? What about accidents?

Originally Posted by weedb0y

Thats what another buddy of mine does and he uses a different company as well and lives in the basement.

What does living in the basement have to do with anything? lol