- Find a broker
- How does Autoplan work?
- Basic Autoplan
- Optional extended Autoplan coverage
- Understanding your insurance costs
- Insuring your teen
- Moving?
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If your teen starts driving your vehicle, he or she may need to be listed as the principal operator when you renew your insurance.
We suggest you get more coverage until your teen gains experience. Claims on your insurance affect the cost of your insurance.
Will I pay more?
If your teen becomes the principal operator of your vehicle, your premium will likely increase. This is because the Claim-Rated Scale is based on the claim record of the principal operator.
Things to remember
- Consider getting more Extended Third-Party Liability coverage, or adding Collision coverage if you have not already purchased it.
- When you name your teen as the new principal operator at an Autoplan broker, remember to take your Owner's Certificate of Insurance and your teen's licence number with you.
- If your existing rate class is based on all drivers in your household having 10 years' experience, you are required to change the rate class on the vehicle when adding drivers to your policy who do not have 10 years' experience.
- It is your vehicle that is insured, not the drivers. This means that all crashes will affect your discount, even if you were not driving at the time of the crash.
- Name the principal operator of your vehicle. This could affect your premium. Read the Principal Operator brochure (PDF) to find out more.