Can I insure a car for a child?
Nowadays, a car license can be obtained as early as age 17. Many young people then choose to purchase their own car. However, they run into high premiums. If you want to get car insurance, it is even possible that insurance companies refuse the application for car insurance. Why then? The risk of insuring a young person is proven to be high. Young people are more likely to get into accidents and drive more frequently. Getting car insurance for your child, then, doesn't seem like a bad idea. But what are the options in this regard? Can you just do this?
What is allowed and what is not allowed?
Do you want to insure a car for your child? This is not obviously possible. Below we discuss a construction that is not allowed and one that is.
The construction cohabiting with child ✖
As a cohabiting partner, you are allowed to put the other partner's car in your own name. This also applies to the insurance. However, this is not permitted in the parent-child construction.
Insure children ✔
What can be done: co-insure a child, who is not yet 18 years old. In such a case, the parent remains considered the "regular driver" on the policy. However, a notification will have to be made to the insurer that a 2Drive person is driving the vehicle. In most cases, this will not result in a premium increase. The nice thing is that your child will build up claim-free years this way. Did you know that some insurers even offer discounts with this construction? That way, this option becomes more attractive.
Car insurance? Calculate your premium!
What to do?
Wondering what your options are? Then calculate the premium for insuring your child's car.
Questions about car insurance for child? Alpina is at your service
Hopefully through this article, you know better what your options are if you want to get car insurance for your child. Do you still have questions after reading this article? Then please do not hesitate to contact us. Fill out our contact form or call us directly at 088 - 688 3710. We are happy to help you get the right car insurance for your child.
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