Take out young driver car insurance

Drivers of recent driver’s licenses are at a higher risk than the average for insurers. We have to assume the payments of an important surcharge during their first years at the wheel. How to take out “young driver” car insurance, and how to find a contract at the best price?

What is a young driver?

The notion of « young leader »Is in particular defined by Article A121-1-1 of the Insurance Code. These can be:

  • Either from a driver who got his driver’s license for less than three years ;
  • Either from a driver with an older driver’s license, but unable to justify effective auto insurance during the three years prior to signing the contract.

A young driver may also be an experienced motorist who has given up owning and using a car for several years.

In both cases, the insurer is entitled to apply one insurance premium to cover this motorist profile, and therefore to make him pay more than others.

Why take out “young driver” car insurance?

The differentiated treatment of young drivers by insurers is justified by a higher average danger. According to figures published regularly on the road safety, motorists who have obtained a driving license for the previous two years are involved in more than one in five fatal accidents (source: matmut.fr). They are also overrepresented in other personal injuries (two out of five).

The reasoning is the same for a more experienced motorist who has not driven for several years. The insurer will consider that he has lost his reflexes while driving, and can therefore represent a risk equivalent to that of a young man or a young woman who is a recent license holder.

Young driver and probationary license

Most young drivers also have a probationary driving license. During the first year of driving, the holder is credited with6 points only on his license. He shall not, therefore, commit any offense under the Route Code for the progressive attainment of the 12-point limit in order to:

  • 2 points parain the case of traditional learning or supervised learning (ie a 3-year probationary permit);
  • 3 points para in the case of accompanied driving (ie a probationary license lasting 2 years).

What is the amount of the insurance premium for a young driver?

The application of a surcharge for young drivers is a legal option for insurers, but not an obligation. It is possible to compare several contracts with each other to select the formula and benefits.

In all cases, the premium paid by a young driver – in the case of conventional driver’s license training – is capped by the Article A121-1-1 of the Insurance Code . It can amount to a maximum of:

  • 100% the reference premium for the first year (ie a doubling);
  • 50% the reference premium for the second year;
  • 25% from the first reference to the third year.

Without a responsible accident, the premium is then permanently removed after the third year.

In addition to the insurance premium, the malus bonus system applies to young drivers as it does to all other policyholders. In the event of a responsible accident, a young driver can therefore combine the surcharge and a penalty, thus paying a very high premium.

Assisted driving and “young driver” car insurance

Driving, or “advanced driving training”, allows a teenager to start training at the age of 16. It also offers the opportunity to acquire his first reflexes at the wheel of the parent vehicle.

This type of formula includes many advantages, it does not include the prospects of the economy on the future car insurance contract «jeune conducteur». In fact, only a young driver who has completed training in accompanied driving is capped:

  • 50% the reference premium for the first year instead of 100%;
  • 25% the reference premium for the second year instead of 50%;
  • 12.5%of the reference premium for the third year instead of 25%.

This advantage is justified by the greater experience of this profile of young driver, making it less risky for an insurer.

How to insure a young driver at the best price?

A recent driver’s license holder does not yet have his or her own vehicle, and does not always need one. In this case, it may be worthwhile to declare him as a secondary driver of another vehicle – typically that of his parents. This will allow you to accumulate a start of seniority as an insured. When purchasing your own vehicle sound, the applicable surcharge will be all the less. In the absence of an accident responsible for the family vehicle, it immediately starts to generate a bonus (-5% per year). If it is impossible for him to wait, the young driver will then have to sign a contract in his own name, and pay the surcharge. In order not to pay too much, he can, for example:

  • Choose one used and / or low valuerather than an expensive model;
  • Select a level ofadapted warrantyby limiting itself to a simple “third party” insurance (full reimbursement of third party damage, but no compensation for the insured himself);
  • Use an online car insurance comparator to put insurers in competition and choose the most advantageous offer, with the lowest surcharge.

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