What is a good car insurance policy for a novice driver?
When you buy a car right after getting your driver's license, you will naturally want to get a good car insurance policy for it. It is common knowledge that car insurance for young novice drivers is not cheap. On average, young people under 24 pay significantly more for car insurance due to a premium surcharge. Statistics show that young people are more likely to cause damage. Novice drivers are more often involved in accidents and therefore belong to a high-risk group. How do you choose a good car insurance policy as a novice driver?
Car insurance for novice drivers more expensive?
Every owner of a car is required by law to insure the car. This insurance obligation applies from the moment the license plate is in your name. The most important and obligatory part is the third-party insurance. Everyone who owns a car with the license plate in his or her name must have at least third-party insurance. There are a number of factors that are important when buying car insurance for novice drivers. One is whether you are buying a new or used car. You generally choose different coverage for a new car than for a used car. The cost of car insurance depends largely on the coverage you choose.
What coverages are there for car insurance?
The three standard forms of insurance in auto insurance are:
When buying a car, you should immediately purchase at least third-party insurance. Damages caused to others are compensated with this coverage. For cars of 10 years or older, only the compulsory third-party insurance is often chosen. This insurance does not cover damage to your own car.
A good alternative with broader coverage is the limited liability insurance. Not only damages to others are compensated with this coverage. Damages caused by a collision with stray animals, hail and storm, lightning, fire and explosion, glass breakage, theft and attempted theft are also covered by the limited hull insurance. This coverage is often chosen when cars are between 6 and 10 years old.
For new cars up to about 6 years old, the most comprehensive coverage, all-risk insurance, is often chosen. With this coverage, damage to your own car due to collisions is also compensated by your own insurer. In addition, vandalism damage is also insured with all-risk coverage.
What are important factors when buying car insurance for beginners?
When you purchase auto insurance, a number of things play an important role in determining the premium. In addition to the coverage chosen discussed above, these factors also play an important role:
- age of the regular driver
- the number of claim-free years
- zip code
Age is an important premium-determining factor. By the way, insurance companies do not only look at age. For example, the premium also depends on the type of car and what power the car has. A new or sportier car is often more difficult for young people to insure.
Are there claim-free years for beginners?
Damage-free years make auto insurance more affordable. They entitle you to a discount on the premium. By having car insurance in your name, you build up claim-free years. You build up claim-free years as long as you don't drive any claims. Having or not having claim-free years makes a big difference. Because novice drivers have no or very few claim-free years, they cannot get a discount on the premium.
Car insurance in parents' name is it possible?
Consequently, many novice drivers who want to get car insurance think they are being wise by insuring their car in the parents' name. This can indeed save on premiums. But make sure that the car is in the name of one of the parents. The car insurance must always be in the name of the owner of the car or his or her partner. However, when taking out the car insurance, you will be asked who the regular driver is. If one of the parents indicates that the young person is, the insurer will base the premium on the young person and you will still pay a higher premium. When parents conceal the fact that their child is the regular driver, there can be serious consequences. This is because in this case, insurance fraud is committed because incorrect information has been provided to the insurer.
Can I insure my car directly?
It is important that you insure the car from the moment you own the car and the license plate is in your name. Many people mistakenly think that it is permissible to insure the car only upon returning home. Driving an uninsured car is punishable and will result in a hefty fine. If you drive home from the garage and sustain damage during this drive, there will be no compensation if the car was not already insured.
Before driving the car, it must be insured. In addition, it is important that the car has had a mandatory MOT inspection and that it is still valid.
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