All You Need to Know About G1 Insurance

Auto insurance is a valuable tool that gives drivers peace of mind by protecting them from potential financial loss in the event of an unexpected accident. Not only does it help drivers secure their finances, but insurance also enables them to adequately plan for the future and move forward with confidence.

Around 27 million Canadians have a registered driver’s license, and more new drivers obtain their G1 licenses each year. With G1 insurance, drivers have the peace of mind that they are properly covered in the event of an accident or other unexpected incidents. This protection can help provide financial stability and security after an unfortunate event has occurred.

G1 license

G1 license is also known as “learner’s insurance” or “new driver’s insurance,” and it is obtained after passing a written knowledge test. This crucial step will ensure that novice drivers are ready for any potential hazards and risks that may arise from operating a vehicle for the first time.

In order to get a G1 license, all applicants must meet the three conditions stipulated by the governing body for driver’s licenses. These are that the individual must be at least 16 years old, able to pass a basic eye test, and successfully complete a short written test. All of these criteria must be fulfilled in order to obtain the G1 license which is an essential requirement for progressing toward obtaining a full driving license.

Restrictions for G1 license holders

All G1 license holders must abide by certain restrictions while driving. These include having no alcohol/drugs in their system, having an accompanying driver with a valid driver’s license in the passenger seat, and ensuring everyone’s seatbelt is functioning properly. Also, it is illegal to drive on 400-series highways with a speed limit of over 80 km/h without an accompanying certified driving instructor. Finally, driving is prohibited from midnight to 5 am for G1 license holders.

What is G1 insurance?

G1 drivers must have a car insurance policy to drive, but they can’t get their own coverage. Therefore, they need to be added to another driver’s policy, usually a family member who holds a full and valid driver’s license. G1 insurance is coverage that everyone owning a G1 license need to have in order to drive.

Having G1 driver insurance coverage provides drivers with financial protection in case of an accident or other unanticipated circumstances. This important safety net helps drivers mitigate the risks and uncertainties associated with driving, thereby giving them a sense of security when they start driving.

This type of insurance works similarly to other types of auto insurance. It provides coverage for damages and injuries in case of an accident. The coverage can include damage to the vehicle, medical expenses, and liability coverage for third-party damages. The policyholder pays a premium for the coverage, and the insurance company will pay for the damages up to the policy limit.

Benefits of G1 insurance

G1 insurance provides several benefits to new drivers, including:

  • Legal requirement. G1 insurance is a legal requirement for new drivers. It ensures that new drivers have the necessary coverage to legally operate a vehicle on the road.
  • Protection. G1 insurance protects new drivers from financial loss in case of an accident. It covers damages to the vehicle, medical expenses, and liability coverage for third-party damages.
  • Peace of mind. Having G1 insurance can give new drivers peace of mind, knowing that they are covered in case of an accident.
  • Lower premiums. G1 insurance premiums are often lower than other types of auto insurance. This is because new drivers are considered a higher risk, and G1 insurance provides limited coverage.
  • Gradual transition. G1 insurance allows new drivers to transition gradually to more comprehensive coverage as they gain more experience on the road.

Limitations of G1 insurance

While G1 insurance provides several benefits, it also has limitations. Some of the limitations include:

  • Limited coverage. G1 insurance provides limited coverage compared to other types of auto insurance. This means that the policy may not cover all damages and injuries in case of an accident.
  • Higher deductibles. Higher deductibles on G1 insurance policies could require the policyholder to pay more out of pocket before the insurance provider will cover damages.
  • No-claims bonus. G1 insurance policies do not usually provide a no-claims bonus. This means that the policyholder will not receive a discount for not making any claims during the policy period.


G1 insurance is an essential aspect of new drivers’ lives, protecting them from financial loss in case of an accident. It is required by law and provides several benefits, including legal protection, peace of mind, and lower premiums. It is important to carefully consider the coverage options and limitations of G1 insurance when choosing an insurance policy.