Insurance Practice. Is it possible to reduce the premium for a young driver?

The insurer may apply a surcharge to you when you sign your car contract in the following two cases: you have had your license for less than 3 years (young driver or new driver) or you have had your license for more than 3 years, but you have not been insured for more than 3 years.

Result, you go much more expensive. The insurer can apply you until the premium doubles in the first year; less if you have followed the process of accompanied driving.

Accompanied driving, reduced premium

There are some benefits to accompanied driving. The first is to complete 3,000 miles of real driving; useful training to avoid the risks of experience.

In fact, the insurer reduces the amount of the premium; 50% of the premium amount in the first year instead of 100%, then 25% in the second year without a claim, 12.5% ​​in the third year and finally more increase at the end of the 3rd year without a claim. So you have to wait 4 years, but it’s better.


Accompanied driving is a good way to gain driving experience and also to see the insurance premium go down. Photo of DR

Secondary driver, a good plan

To partially circumvent the effects of the surcharge, you can apply to be declared a secondary driver on parental auto insurance. The insurer has every right to refuse, he can also accept for a small surcharge.

The secondary driver of a vehicle is a person whose name must appear in all letters on the insurance contract, next to that of the main insured; it is allowed to drive the vehicle, but only from time to time.

As for pricing, it depends on the insurer and it can go as far as no surcharge. This is to be verified by asking him.

Depending on the different commercial policies of insurers, some are more inclined than others to make more interesting business proposals for young drivers.  Do not hesitate to compare rates and offers.  Photo AXA

Depending on the different commercial policies of insurers, some are more inclined than others to make more interesting business proposals for young drivers. Do not hesitate to compare rates and offers. Photo AXA

Choose the right vehicle and the right insurance

In the pricing of the insurer, the characteristics related to your vehicle: make, model, series, fiscal power, new or used vehicle, it is important to calculate the premium care you will have to pay.

A small, low-value, low-power used car will cost less to insure, but also to maintain, repair, and provide the same services to a novice driver.

When it comes to insurance, opting for the same insurance as a parent can be a good plan, or turn to mutual insurers or young drivers. In any case, compare offers.

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