Kanetix
Car Insurance Forum

If I apply as the only driver, then at a later date our son saves up to contribute to the insurance cost for his coverage on our vehicle, can I have him included anytime during the policy term?

We referred your question to Sean Graham, Principle Broker at KTX Insurance Brokers for assistance and he let us know if your son currently holds a licence, whether it is a G1, G2 or a full G licence, and he lives at home he must be included as a driver on the policy, even if you have no intention of allowing him to use the vehicle.

We also asked Sean to review two FAQs found on the Kanetix website that we thought might provide some further information, and he indicated the content of those FAQs were "still bang on" so I copy-and-pasted them here for your review:

1. My teenager has just received their Learner's Permit (G1 in Ontario). How will this impact my insurance coverage?
Actually, it shouldn't impact how much you pay for coverage. Most insurance companies do not "rate", or charge you if you will, for drivers who only have their Learner's/G1 (Ontario) licence. Even so, based on your original agreement with your insurer, you still have a responsibility to notify them there is a Learner's/G1 licensed driver now in the household. Why? Because this falls under the disclosure required when there is a 'material change' in risk, which a new driver represents.

Once your teenager gets their next level licence, you will have to add them to your insurance policy by listing them specifically as a driver.

2. I don't ever intend to allow a certain person to drive my car but I've been told that they must be listed on my insurance policy. Why?

Actually, it is not just your son or daughter who should be listed on your insurance policy. All licensed drivers in your household, and anyone who frequently uses the vehicle, should be named since all could have access (whether you've given permission or not) to your car.

Depending on your insurance company and the province you live in, some insurers (but very few) offer an "excluded driver endorsement". This endorsement lists the drivers in your household to be excluded from your policy's coverage. This endorsement however, is not common and is not provided as a premium-savings option.

Having said this, it is important to note, if your insurance company is willing to include this endorsement on your policy, the drivers named are not insured to drive your car ever at any time. For example, they would not be insured to drive your vehicle in an emergency or even if you've given permission. There are no exceptions.

Neither Kanetix® nor the KanetixForum.ca is an insurance broker or agent. Although this information has been passed along to you from KTX Insurance Brokers through the Forum, we are not responsible for the opinions expressed by them. Insurance can be complicated. When reading these answers, keep in mind each person's situation is unique. Individual responses may vary depending on your insurer, geographic location, and specific circumstances. If you have a similar situation, always speak with your insurance provider, or a licensed insurance representative, for terms and conditions that may apply to you.

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