高中娃刚拿G2,保险加名一般要多少
- 主题发起人 红红枫叶
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gocanoeing
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Your car insurance can cover rental cars, if you have bought this coverage
Though in Ontario, all rental car companies are required by law to provide 3rd party liability insurance for free for their rented cars. The only problem may be the coverage amount is not high enough, e.g. in the past it might be just 200K
Do I have to add my child to my car insurance in Ontario?
AI Overview
Yes, you must add your child to your car insurance in Ontario once they have a valid driver's license and regularly drive your car, or if they are an adult living in your household. While they are in the learner's permit stage, your policy usually covers them under specific rules, but after obtaining their G2 or full license, they must be officially added to your policy as a primary or occasional driver to avoid being uninsured.
Why You Need to Add Them
Legal Requirement: Driving without being properly insured is illegal in Ontario and can have significant consequences.
Accident Coverage: If your child drives your car and is in an accident, they and the vehicle are only covered if they are listed on your insurance policy.
When to Add Them
Learner's Permit (G1): You must inform your insurance company as soon as your child obtains their learner's permit. Often, there's no immediate extra charge, but it's crucial to let them know they are practicing under your supervision.
Full License (G2 or G): You must add your child to your policy as soon as they pass their road test and get their G2 license. This is non-negotiable, as they are now able to drive independently.
Adult Children: If your adult child lives at home and drives your car, even occasionally, they must be listed on your policy.
What to Do
1. Contact your insurer: Inform them your child has obtained a learner's permit.
2. Update when licensed: After your child gets their G2 or full license, contact your insurer immediately to add them to your policy.
3. Be prepared for the cost: Adding a new driver, especially a teenager, will likely increase your insurance premium, but it's a necessary cost for legal and financial protection.
AI Overview
Yes, you must add your child to your car insurance in Ontario once they have a valid driver's license and regularly drive your car, or if they are an adult living in your household. While they are in the learner's permit stage, your policy usually covers them under specific rules, but after obtaining their G2 or full license, they must be officially added to your policy as a primary or occasional driver to avoid being uninsured.
Why You Need to Add Them
Legal Requirement: Driving without being properly insured is illegal in Ontario and can have significant consequences.
Accident Coverage: If your child drives your car and is in an accident, they and the vehicle are only covered if they are listed on your insurance policy.
When to Add Them
Learner's Permit (G1): You must inform your insurance company as soon as your child obtains their learner's permit. Often, there's no immediate extra charge, but it's crucial to let them know they are practicing under your supervision.
Full License (G2 or G): You must add your child to your policy as soon as they pass their road test and get their G2 license. This is non-negotiable, as they are now able to drive independently.
Adult Children: If your adult child lives at home and drives your car, even occasionally, they must be listed on your policy.
What to Do
1. Contact your insurer: Inform them your child has obtained a learner's permit.
2. Update when licensed: After your child gets their G2 or full license, contact your insurer immediately to add them to your policy.
3. Be prepared for the cost: Adding a new driver, especially a teenager, will likely increase your insurance premium, but it's a necessary cost for legal and financial protection.
最后编辑:
这篇 National Bank Insurance 文章很解惑，和 AI Overview 同样强调你的孩子是否和你住在一起。
Lending your car, is it worth the risk?
感觉 insurer 的逻辑是，和你住在一个household 里的人，通常会多次用你的车，应该加在 insurance policy 里。
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Lending your car, is it worth the risk?
“Mom, Dad, can I borrow the car?” As soon as someone living under your roof wants to use your vehicle, even only occasionally, you must notify insurer.
“Hey neighbour, I have a favour to ask” If you want to lend your car to someone who doesn't live with you, like a friend or a neighbour, there’s no need to run to the phone to make a declaration to your insurer.
感觉 insurer 的逻辑是，和你住在一个household 里的人，通常会多次用你的车，应该加在 insurance policy 里。
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最后编辑:
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如上贴，不行
same household drivers must be declared, even if they are a tenant
unless you declare (there's a form) that they will not drive your car
in which case if they did it's considered theft
