As I was reading your post I said to myself, this person must live in Canada! turns out I was right :)
I used to live in Toronto, bought my first car when I was 20, got into an accident at 21; I couldn't afford insurance and hence a car again until I moved to the US at 23. It isn't the same here, my wife and I now pay $200 every 6 months which is 3rd party and liability (the one-way you mention) and convers both of us. Also 1 accident in every 3 years is forgiven. (I live in California)
I used to live in Toronto, bought my first car when I was 20, got into an accident at 21; I couldn't afford insurance and hence a car again until I moved to the US at 23. It isn't the same here, my wife and I now pay $200 every 6 months which is 3rd party and liability (the one-way you mention) and convers both of us. Also 1 accident in every 3 years is forgiven. (I live in California)