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

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 advantages 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 premium amount 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.


Accompanied driving is a good way to gain driving experience and also to lower the insurance premium. Photo RD

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 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.

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

Depending on the different commercial policies of insurers, some are more inclined than others to make more interesting commercial offers for young drivers. Do not hesitate to compare prices 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 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.

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