Is a live-in child also insured?

A live-in child is also co-insured with your car insurance and can therefore drive your car without any problems (provided he or she has a driver's license, of course). You do not have to notify your insurer in advance if your child occasionally drives your car. Should he or she cause car damage, it will simply fall within the coverage of your car insurance. Some insurers may apply a (higher) deductible for drivers under 25 years of age.

Does your child ride in the car regularly, perhaps more often than you do? If so, you must report this to your insurer. Your child will then be added to the policy as a regular driver. The insurer wants to know this, because they can adjust premium and conditions of the insurance accordingly. Because a young person often pays more premium, many parents decide to conceal the fact that their child drives a car regularly. However, by withholding this information, you are committing insurance fraud and that can have very nasty consequences. So don't forget to list a live-in child on your car insurance policy as a regular driver.

When should live-in children have their own car insurance?

As a car owner, you are required by law to have car insurance. This applies from the moment the license plate is in your name. So a live-in child must take out car insurance the moment a license plate is in his or her name. Are your resident children under the age of 18? Then, according to the law in the Netherlands, they are not yet allowed to have a license plate in their name. They are therefore not required to have their own car insurance at that time. Resident children aged 17, with a driver's license, have other options for obtaining car insurance.