Your certificate keeps
paying you back.
Buying a car, insuring it and keeping it on the road is the real cost of driving — not the licence. An MTO-approved BDE certificate from Drivisa can cut your monthly auto-insurance premium by 5% to 25%.
- MTO-approved institution
- Accepted by every Ontario insurer
- On your provincial record automatically
Drivisa is not an insurance provider. We deliver the MTO-approved course that earns the certificate insurers recognise, and point you to licensed partners for coverage. Any discount depends on your own circumstances and your insurer.
One certificate, five variables
Every insurer in Ontario recognises the MTO certificate — but where you land in the 5–25% range depends on your own profile.
Licence class
Where you are in Ontario's graduated system — G1, G2 or full G.
Driving history
Your record: at-fault accidents, convictions and years licensed.
Postal code
Where the vehicle is garaged — rates vary across Ontario.
Vehicle
The car itself — make, model, year and how it's used.
Age
Younger and newly licensed drivers usually start from a higher base.
- Then talk to an insurer
Your certificate is already on your provincial record — bring it to any Ontario insurer.
See our partner
Recognised the moment you finish
Drivisa's MTO-approved certificate is accepted by all insurance companies in Ontario, and it lands on your provincial record without you filing anything.
- Accepted by
- Every insurance company in Ontario
- Recorded
- Added automatically to the province's system
- Copies
- Available from any ServiceOntario location
- To earn it
- Complete theory and practice within 1 year
- Issued
- Usually 5–7 working days after your last class
The Safe Driving Reward Program
Drivisa doesn't sell insurance. We work alongside strong providers, and we point students to Sabrina's Co-operators — whose program rewards young and newly licensed drivers for building a clean record.
- Year 11
Drive clean
No at-fault accidents, no convictions, still the principal operator.
- Year 22
Keep it clean
No at-fault accidents, no convictions, still the principal operator.
- Year 33
Qualify
No at-fault accidents, no convictions, still the principal operator.
- Year 4
May be free
Complete the first three years and the fourth may come at no charge on the coverages listed below.
Coverages that may come at no charge
- Liability
- Direct Compensation – Property Damage
- Basic Accident Benefits
- Uninsured Automobile coverage
- OPCF 44R
The reward matches the liability limit on the private passenger vehicle the client mainly drives at the start of the fourth year, up to this maximum.
The rules, in full
Who can join the program?
The policy must be written on an annual term. The driver must be the principal driver and must be 22 years old or younger when joining the program. The driver must have completed an approved driver training course or provide proof of three years of at-fault accident-free driving. The driver must have no at-fault accidents in the past three years, or since becoming licensed if licensed for less than three years. The driver may have no more than one minor conviction when entering the program, and that conviction cannot be within the past year. The driver must have no other type of conviction within the past three years. A motor vehicle record will be checked before the policy is written.
How does the client stay in the program?
To remain eligible during the first three years, the client must continue to be the principal operator of the vehicle, have no convictions, have no at-fault accidents, and stay insured with the provider for the full three-year period.
Program terms are Sabrina's Co-operators' and may change — confirm current eligibility and pricing with them directly. Drivisa does not underwrite, quote or administer any policy.
More on car insurance in Ontario
- How Much Does Car Insurance Cost for New Drivers in Ontario?
- Best Car Insurance in Ontario for New Drivers: What You Need to Know- Learn NOW how to find the best deal in less than 5 steps!
- How Bundling and Hidden Discounts Secure Cheaper Car Insurance in Ontario
- The Anatomy of an Ontario Driving Record: How Your History Dictates Your Insurance Destiny
- Why Your Neighborhood Defines Your Insurance Premium in Ontario
- The July 1st Insurance Reform: The "Pre-Game" Guide to Ontario’s New Choice-Based Model
- How the New MTO Regulation Inflates Car Insurance for New Drivers with Foreign Licenses
- New Ontario MTO Foreign License Regulation: Step-by-Step License Conversion Scenarios and Insurance Impacts
Earn the certificate. Then shop your rate.
Start the MTO-approved BDE course for $49 today — the same certificate every Ontario insurer recognises, for $494 instead of $2,239.
Your whole licence,
in your pocket.
Drivisa connects you with MTO-certified instructors in your city. Browse profiles, see live availability, and book, reschedule or pay — all from your phone.
