A new driver in the house is a good moment to talk to your insurer. This page explains what people usually ask and what to tell them.
Many insurers want to know when someone in the household gets a learner's permit or a licence. Ask when to tell them and what they need to see.
Most provinces use a stage-by-stage licensing system for new drivers, with rules that differ by province. Look up the rules on your province's licensing site, and ask your insurer whether the stage affects the policy.
Agree on who pays for what, what happens after a ticket or an accident, and when the car is available.
If they will drive your car, insurers generally expect to be told. Ask your insurer exactly what they require and when.
It often can, because young drivers are statistically riskier, but how much depends on the insurer, the province and your situation. A licensed advisor can explain what applies.
Rules differ. Ask your insurer before the teen drives your car at all.
General information, not advice or a recommendation. Rules differ by province and by insurer, so confirm with your insurer or a licensed advisor. This page was last checked in November 2026.