The insurer can apply an additional premium to you when taking out 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.
As a result, you go much more expensive. The insurer can apply you up to the doubling of the premium the first year; less if you have followed the accompanied driving process.
Accompanied driving, reduced surcharge
There are a few benefits to accompanied driving. The first is to complete 3,000 kilometers of real driving; useful training to avoid the risks of inexperience.
In practice, the insurer reduces the amount of the additional premium; 50% of the amount of the premium the first year instead of 100%, then 25% the second claim-free year, 12.5% the third year and, finally, no more increase at the end of the 3rd claim-free year. It is therefore necessary to wait 4 years, but there is better.
Secondary driver, a good plan
To partially circumvent the effects of the additional premium, you can ask to be declared as a secondary driver on the parents’ car insurance. The insurer has every right to refuse, he can also accept for a small increase.
The secondary driver of a vehicle is a person whose name must appear in full on the insurance contract, next to that of the main insured; he is allowed to drive the vehicle, but only occasionally.
As far as pricing is concerned, it depends on the insurer and it can go as far as no mark-up. Check it out by asking him.
Choose the right vehicle and the right insurance
In the pricing of the insurer, the characteristics related to your vehicle: make, model, series, fiscal horsepower, new or used vehicle, it is important to calculate the premium you will have to pay.
A small second-hand car of low value and with a modest engine will cost less to insure, but also to maintain, to repair and will provide the same services to a novice driver.
As far as insurance is concerned, opting for the same insurance as a parent can be a good plan, or else, turn to mutual insurers or insurers specializing in young drivers. In any case, compare the offers.