Can I now take out car insurance? How to make its price not too high?
Yes, you can and as the owner of a self-propelled vehicle, you are even obliged to take out insurance. In principle, an insurer does not distinguish between a provisional permit and a definitive permit. You only need to know that the insurer will take into account the young age and inexperience of the driver when determining the price.
Learning to drive with a car you bought yourself
Some young people prefer to learn to drive with their car because, for example, their parents’ car is relatively large or too little available, or because the parents do not own a vehicle or simply do not dare to lend it.
A novice driver can find the car insurance that suits him. But since he cannot yet boast of a certain experience, his premium will initially be higher than that of a driver who has already had several years of accident-free driving. As soon as you have been driving for more than a year and you do not cause an accident, your premium drops. It is in your interest to compare well. Don’t hesitate to consult your parent’s broker or insurer to see if he can make you an interesting offer.
If you really cannot find car insurance at an affordable price with an insurance company, you can contact the Auto Pricing Office.
Anyway, the best for a young driver is to start driving with a small, safe used car. That way, you won’t need omnium insurance right away. RC auto insurance that compensates for damage you may cause to other road users is legally required. You can compress the cost by opting for a small car with low horsepower. Some insurers also offer other possibilities to reduce the premium such as taking an additional course in driving aptitude. To find out which factors generally influence the premium,
Learn to drive with parents’ car
Most young people who learn to drive do so in mom or dad’s car. This is allowed, but the parent who took out the auto insurance in their name has every interest in informing their insurer.
If the young person regularly drives the car and is therefore considered a “regular driver”, it will certainly be necessary to notify the insurer. Otherwise, and if the young person causes an accident, the insurer may exercise recourse if it can prove that it was omitted to inform it that the young driver regularly used the car.
Also, note that some omnium insurance plans provide a young driver deductible. This deductible, which is the amount deducted from the compensation paid for the repair of his material damage, will be higher if the driver who caused the damage is, for example, under 26 years old.
What is a powerful car and how much does it cost to insure it?
From how much horsepower is a vehicle powerful?
No definition determines from how much horsepower din (real power) a car can be qualified as powerful. Each insurer is free to define its maximum power level and apply its pricing policy accordingly. If we rely on the results of our comparator, the prices increase beyond 90 hp for a young driver.
How much does a young driver’s car insurance cost for a powerful car?
The more horsepower a vehicle has, the higher the cost of auto insurance. The engine significantly varies the price when it exceeds 130hp. Many insurers even refuse to cover the risks for these overpowered vehicles.
However, according to our list of favorite cars for young drivers, there are several models with powerful engines ( BMW Serie 1, Volkswagen Golf, Audi A3, etc.)
