When must you show proof of insurance?
Ontario G1: Your vehicle: maintenance, insurance and registration
Basic vehicle maintenance, tires and brakes, mandatory insurance, ownership permits, licence plates and what to carry.
- No sign-up
- Every answer explained
- Independent · not a government site
- 16 questions
- Topic drill
Study reference: MTO Driver's Handbook (online edition, 2026), Ch. 7 Your vehicle
All 16 questions in this test
Every question and its answer choices. The correct answers and explanations appear when you take the test above.
When must you show proof of insurance?
- Only for commercial vehicles
- Only when buying a used car
- Only after a collision
- To register or renew a vehicle
While braking, you hear a squeaking or grinding noise. What does this suggest?
- The engine needs oil
- The brakes need to be checked
- This is normal for new cars
- The tires are overinflated
Which habit helps your tires last longer?
- Mixing tire types
- Braking hard often
- Driving with low pressure
- Rotating them regularly
Your car's tire tread is worn to 1 mm. What should you do?
- Rotate it to the rear
- Add more air pressure
- Keep it until it reaches 0.5 mm
- Replace the tire
Under Ontario’s studded-tire rules, which ordinary Ontario resident is eligible to use compliant studded tires during the permitted season?
- Any resident anywhere in Ontario
- No Ontario residents
- A resident of Northern Ontario
- Only a driver using a 400-series highway
What tire setup is recommended for the best winter traction?
- Four winter tires, same tread pattern
- Mixed tires on each axle
- Two winter tires on the rear
- Two winter tires on the front drive wheels
A police officer pulls you over to inspect your vehicle and finds it unsafe. What can happen?
- You get only a warning
- Only commercial vehicles are affected
- It can be taken off the road
- You may drive it for 30 days
Why is a faulty exhaust system especially dangerous in winter?
- Snow blocks the tailpipe every time
- Windows and vents are usually closed
- Exhaust freezes the brake lines
- Cold air makes exhaust explode
Before a long trip you check the oil and coolant. When should you look under the hood?
- With the engine running
- While the engine is hot
- Right after a long drive
- When the engine is cold
A vehicle has a gross vehicle weight rating above 4,500 kg. Below what tread depth must its front tires not be used?
- Less than 3 mm
- Less than 2 mm
- Less than 5 mm
- Less than 1.5 mm
You notice a bulge on the sidewall of a tire. What should you do?
- Drive slower until it wears
- Replace the tire
- Move it to a front wheel
- Lower the air pressure
Your tires have plenty of tread but are 12 years old. Why is this a problem?
- Aged tires may fail unexpectedly
- Only tread depth matters
- They are fine if never used
- Old tires grip better in winter
After a collision, a tow truck operator offers you cash to use his body shop. What should you do?
- Contact your insurance company
- Pay him to tow you quickly
- Accept and sign his forms
- Choose the shop he names
You sell your car. What happens to its licence plates?
- The buyer returns them
- They stay with the car
- You remove them and keep them
- They are destroyed by police
You move to Ontario and bring your car. How long do you have to register it here?
- 30 days
- 90 days
- 60 days
- 6 months
Which item belongs in your winter emergency kit?
- A spare licence plate
- Booster cables
- A tire pressure sticker
- A roof rack
Your vehicle: maintenance, insurance and registration: key rules to remember
Our summary of what the official handbook says on this topic, in our own words. Read it before or after the practice questions above, then check the original chapter. Read the official chapter ↗
overview
- All motor vehicles on Ontario roads must be registered, insured and meet basic safety standards; the owner is responsible.
intro
- Driving a vehicle in dangerous condition is illegal.
- A police officer or MTO inspector can examine your vehicle, equipment and any attached trailer at any time; an unsafe vehicle may be taken off the road until fixed.
Driver habits
- Approaching: fresh damage, fluid leaks, low/flat tires, open doors/hood/trunk/fuel door, unsecured loads, ice/snow/dirt on lights or windows.
- From the seat before driving: clear visibility, dim/burned-out headlamps, warning lights come on at start then go out, loose objects.
- While driving: unusual engine/exhaust noises, squeaking or grinding when braking, warning lights coming on.
- Before a long trip: wipers and washer fluid, tire pressure and wear, all lights, under the hood with the engine cold (oil, coolant, belts, hoses, leaks), mechanic inspection.
Regular maintenance
- Schedules based on mileage or time, whichever comes first (see owner's manual).
Winter maintenance
- Emergency kit: shovel, booster cables, flares or warning lights, blanket, towing chain. Carry extra washer fluid.
- Faulty exhaust is especially dangerous in winter (windows/vents closed); check if noisy or rattling.
Tires
- Tires should not be older than 10 years (they deteriorate even unused).
- Regulation 625 sets a 3 mm minimum for front tires on vehicles with a gross vehicle weight rating over 4,500 kg, measured in the specified major grooves. The rule uses the vehicle’s weight rating, not simply its current load.
- Replace tires with bumps, bulges, knots, exposed cords or cuts exposing cords.
- Not smaller than manufacturer's minimum size; not so large it touches the vehicle.
- Use similar tires on all four wheels; winter: four winter or all-weather tires with the same tread pattern recommended.
- Compliant studded tires may be used by eligible Northern Ontario residents from September 1 through May 31. Regulation 625 also specifies other eligibility and visiting-vehicle conditions.
- Longer tire life: right air pressure, inspect, rotate regularly, good driving habits.
Auto insurance
- Insurance is compulsory for every registered vehicle; proof of insurance needed to register or renew registration.
- FSRA regulates insurance in Ontario; RIBO regulates insurance brokers.
Registration
- Registration = licence plates + vehicle permit.
- Plate-to-owner system: plates go with the owner, not the vehicle; remove plates when selling or changing vehicles. Unused plates may be returned to ServiceOntario.
New residents
- New residents have 30 days to register their vehicles at ServiceOntario. Bring: safety standards certificate, proof of insurance, Vehicle Import Forms (if from another country), previous permit/ownership.
Protect yourself from auto insurance fraud
- Use licensed insurer/agent/broker.
- After a collision: collect info (names, addresses, phones, plate and licence numbers, insurance, including passengers of other vehicles); take photos.
- Be wary of a tow truck operator pressuring/paying you to use a particular shop, lawyer, paralegal or health provider; contact your insurer instead.
- Don't sign blank forms; demand detailed repair and medical bills.
Study the Your vehicle: maintenance, insurance and registration rules as flashcards →
Other topics
- Regulatory signsStop, yield, school zone and railway crossbuck shapes, permissive and prohibitive signs, no stopping, standing and parking, community safety zones, school bus and HOV lane signs.
- Warning signsYellow diamond warning signs for curves, hills, merges, lane endings, crossings, animals and hazards, plus the slow-moving vehicle and long commercial vehicle placards.
- Construction, information and direction signsOrange temporary condition signs in work zones, doubled construction-zone fines, green guide signs, freeway exit numbering, emergency detour routes and bilingual signs.
- Traffic lights and pedestrian signalsGreen, yellow and red lights, turns on red, advance green and left-turn arrows, flashing lights, transit priority signals, dark signals during power failures and pedestrian signals.
- Pavement markingsYellow and white lines, solid and broken lines, continuity lines, stop lines, crosswalks, lane arrows, pedestrian crossovers and markings around obstacles.
- Graduated licensing: G1, G2 and GG1 and G2 conditions, the accompanying driver, zero blood alcohol, highway and night limits, passenger limits for young drivers, waiting periods, road tests and new residents.
- Getting ready to driveSeat belts and who is responsible, child car seats and booster seats, seat, head restraint and mirror adjustment, blind spots and pre-trip checks.
- Driving along and intersectionsSteering, signalling, speed and following distance, scanning ahead, controlled and uncontrolled intersections, four-way stops and yielding the right-of-way.
- Turning, signalling and changing lanesRight and left turns, turns on red, left-turn lanes, roundabouts, backing up, U-turns and turning around, lane changes, passing, climbing lanes and passing streetcars.
- Stopping and parkingBraking, where to stop, railway crossings, school crossings and school buses, pedestrian crossovers, parallel parking, parking on a hill, accessible parking and roadside stops.
- Freeway drivingEntering and leaving a freeway, acceleration and deceleration lanes, lane choice, passing, HOV and toll lanes, and freeway safety.
- Special situations on the roadEmergency vehicles and the move-over law, construction zones, animals on the road, drowsy and distracted driving, aggressive driving, road rage and street racing.
- Night driving and bad weatherHeadlight rules and distances, glare, rain, hydroplaning, fog, snow, whiteouts, black ice, skids and winter driving.
- Emergencies and collisionsBrake failure, stuck accelerator, blowouts, running off the pavement, breakdowns, what to do at a collision and reporting thresholds.
- Sharing the roadPedestrians, cyclists and the one-metre passing rule, motorcycles, large trucks and blind spots, buses, farm machinery, horse-drawn vehicles and snowmobiles.
- Safe, responsible and efficient drivingDistracted driving and hand-held device rules, fatigue, defensive driving, and fuel-efficient driving habits.
- Demerit points and keeping your licenceDemerit point values for common offences, novice and fully licensed driver thresholds, interviews and suspensions, and licence renewal.
- Impaired driving and other suspensionsAlcohol and drug impairment, roadside suspensions, warn-range penalties, ignition interlock, stunt driving and street racing, and other ways to lose your licence.