When a teen starts driving, it means more than just worry for parents. If your teen will be driving the family car, you have to let your insurer know. Depending on your province and policy, your premiums could change as a result. But you may also have access to an auto insurance discount if your youth takes a driver education course. Here are some things to consider.
You May Have to Update Your Car Insurance
In most cases your teen should be added as an additional driver under your policy. That's the case if they have a full licence and live in your household. If they never use your car or only live with you part-time, you may not have to update your coverage. Your insurer can let you know.
It may be that your teen must be added to your policy, as is everyone in your household who has a full licence and access to your vehicle. That's the case in Ontario, but in Quebec that automatic addition goes to the most expensive car to insure.
The bottom line is that it's tough to know the rules that may apply to you without talking to your insurance professional. You don't want to get caught without the right coverage in the case of a mishap, so it's important to have that phone call.