The insurance hit lands on the policy, not just you
Most G2 drivers are listed on a parent's policy — and an at-fault accident by a listed driver surcharges that policy for up to 6 years. Because the household premium is bigger, the same 20–50% first-claim range costs more in dollars. The claim also follows you personally: when you eventually get your own policy, insurers see your claims history from day one.
Your licence has stricter rules than a full G
The accident itself doesn't touch your licence — no crash carries demerit points. But any conviction that comes with it hits novices harder: G1/G2 drivers face escalating novice-driver sanctions (suspensions kick in at lower point thresholds than for full-G drivers), and certain violations carry automatic novice consequences. A conviction that's an expensive annoyance for a G driver can be a suspension for a G2.
What to do, in order
- Same scene rules as everyone — safety, exchange info, photos, police if over $5,000 damage or anyone's hurt, CRC if required.
- Tell the policyholder immediately — hiding it from a parent whose policy it is only makes the reporting late, and late reporting creates real problems.
- Report within 7 days, then check whether the policy has accident forgiveness — a first at-fault by any listed driver is often forgivable.
- If a ticket came with it, consider fighting it — for a novice, keeping the conviction off the record protects both the licence and the future premium.