Graduated Licensing To become fully licensed, new drivers in the province must pass all stages of Newfoundland and Labrador’s graduated licensing program. As a New Driver, How Can I Buy Auto Insurance?First you need to apply to complete Newfoundland and Labrador’s 2-step licensing process. To start the process, you must:Be at least 16 years oldObtain written consent from your parent or guardian if you are under 19 years of age Present original proof of age and identification when you apply for your learner’s permitPass a written test with a mark of at least 85%Pass a vision test. As a novice driver, it's important to understand the driving restrictions that apply to the program's 2 steps and 3 types of licences. What Happens to My Insurance if My Licence Is Suspended?Following a licence suspension, your insurer/broker will determine the impact on your premiums should you choose to renew your policy. You must report your licence suspension to your insurer immediately. If you are convicted of a driving offence in the province or any other Canadian jurisdiction, demerit points will be added to your record. Novice drivers can only accumulate 6 points within a 1-year period before their licence is suspended. If your licence is suspended, you must pay a fee and attend a mandatory suspended driver's course during your suspension or prior to reinstatement. By successfully completing a point-reduction course, an eligible driver may have up to 4 demerit points deducted from his or her record. How Long Does it Take to Become Fully Licensed?It takes at least 2 years on the road to become a fully licensed driver. After 8 to 12 months in Level I and completion of an approved driver training or motorcycle program, you can apply to take your road test. To take your road test, make an appointment at a Driver Examination Centre. On the day of the road test, your auto will be checked for mechanical fitness. To take the road test, you must present:A receipt for payment of your road testA valid Class 5 or 6 Level I driver's licenceA valid insurance policy and vehicle registration permit for the vehicle you are using for the road test. Why So Many Steps?Novice drivers have caused many traffic-related deaths and injuries. In response to accident statistics and the successful licensing systems used in other countries, provincial and territorial governments introduced new driver licensing standards in the mid-2000s. Graduated licensing is based on research that clearly demonstrates the safety value of this approach. Most programs include a multi-stage system with mandatory learner and intermediate stages that take place over set time-periods before graduation to a full licence. IBC and Best Practices for Graduated Licensing in CanadaIBC has a history of advocating for improved road safety across the country. In 2005, with IBC's support, the Traffic Injury Research Foundation (TIRF), an independent charitable road safety institute, created a report about best practices for graduated licensing in Canada . IBC circulated a draft of this report to all relevant contacts in driver licensing agencies, or their equivalent, in all jurisdictions across Canada. Auto Insurance Q&ATo steer you in the right direction, here are some basic questions to ask your insurance representative before you buy car insurance All About Auto InsuranceRegardless of where you live in Canada, auto insurance is required by law. You are not authorized to drive without it. Useful LinksService NewfoundlandNewfoundland and Labrador implemented a Graduated Driver Licensing Program on January 1, 1999. There are two levels during the novice driver period. They are Novice Learner (Level 1) and Novice Licenced Driver (Level II)Getting your Driver's LicenceReady to get your driver’s license? Know where to start? Know what to study? Read some tips and links that can help you obtain your provincial or territorial drivers license. Facility AssociationFacility Association’s mission is to administer the automobile insurance residual markets, enhance market stability, and guarantee the availability of automobile insurance to those eligible to obtain it. How Insurance WorksInsurers use a pool of many premiums to pay for the home, auto and business losses of Canadians unfortunate enough to experience a loss. You are covered for losses outlined in your contract only, not for predictable events.