Young driver and first car insurance

Are you a young driver? For your young driver insurance and your first car, we explain everything you need to know before you buy a car contract. In fact, young drivers are perceived to be less reliable than an experienced vehicle driver.

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  • Your Young Driver Car Insurance: What you need to know
  • Find car insurance when you are a young driver
  • car insurance Young driver and premium Car insurance
    • Minimum subscription for a young driver
    • How to pay less for car insurance?

Your young driver car insurance: what you need to know

First of all, it is essential to clearly define the young driver. In the Insurance Code or the Highway Code, there is no legal and precise definition of the young driver. However, we admits that a young driver meets the following conditions :

  • The driver has obtained his driver’s license for less than 3 years (young licence)
  • Driver has never been insured (insured spouse)
  • The driver has already been cancelled his driver’s license

For car insurance, an experienced driver who is obliged to re-examine the driver’s license is considered a young driver.

Others readers like : How to insure a car temporarily?

For an insurance company, a young driver will actually be less reliable than a more experienced driver .

Find car insurance when you’re a young driver

For your first vehicle, you are looking for car insurance but you find yourself stuck by the fact that you are a young driver? Unfortunately, you have no choice but to take out a young car insurance contract driver, because in the eyes of insurers, driving his spouse’s car without being specifically on the contract does not mean that you drove.

You certainly leave with fewer points than with a classic car insurance contract for experienced drivers, but you have to start somewhere… Lack of driving experience is an aggravation of the risk to be insured . Also, a supercharge is systematically applied. This premium is stipulated in article A.335-9-1 of the Insurance Code.

Young driver and premium car insurance

The extra charge is spread over 3 full years. The price of a young driver car insurance for a car may vary depending on your insurer, but in any case, the premium is limited to 100% of the base rate and must decrease thereafter. At the end of the 2nd year of your auto insurance contract, the will be 50% maximum, which will lower the price of your car insurance. For the 3rd year, the premium represents a maximum of 25% of the base rate and will be eliminated from the 4th year , provided that you are not responsible for any accident.

Minimum subscription for a young driver

The minimum subscription (legally) in terms of young driver car insurance will be third party car insurance , or liability insurance. Thus, young drivers are covered in case of material or bodily damage caused to a third party (third party), during a responsible accident or accident.

How to pay a car insurance cheaper?

If you are trying at all costs to find cheaper car insurance by bypassing the effects of the superpremium, there are possibilities. You can declare yourself as a secondary driver on the contract car insurance from your parents. You should still be aware that your insurer can refuse or accept these conditions with a slight increase .

Low-expensive car insurance formulas also exist, with essential and basic guarantees , to the third party, with civil liability in case of liability and damage caused to a third party.

Student car insurance can also be a way to avoid overpaying your car insurance as a young driver. Quotes are to ask insurance in order to compare offers and not to be too loser on your contract car insurance young driver.

Thus, “young drivers” of a car, whether in a young licence, a cancelled licence or driving the spouse’s vehicle, can still get out of it and find a car insurance made out of the car.

car insurance from your parents. You should still be aware that your insurer can refuse or accept these conditions with a slight increase .

Low-expensive car insurance formulas also exist, with essential and basic guarantees , to the third party, with civil liability in case of liability and damage caused to a third party.

Student car insurance can also be a way to avoid overpaying your car insurance as a young driver. Quotes are to ask insurance in order to compare offers and not to be too loser on your contract car insurance young driver.

Thus, “young drivers” of a car, whether as a young licence, a cancelled licence or driving the spouse’s vehicle, can still get out of it and find a car insurance made for

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