Liability insurance for novice drivers !
Many novice drivers complain that their liability insurance
is rated highly and that they have to pay very high premiums.
However, this is understandable when you know that the highest proportion of accidents occurs with and through the novice drivers.
Attention:
If the parents’ car is used, check the policy again to see, if every
driver of the vehicle is insured.
If the young driver is not in the contract and causes an accident,
the insurance company would pay for the damage caused by the novice driver, but there would be a contractual penalty demand, which could mean a surcharge up to double the premium.
But in any case, the accident would be insured.
Can novice drivers get a good fare at the
liability insurance?
Yes, they can.
1. Tariffs for novice drivers:
Look for special rates for beginners.
-Award Ride (Alliance)
-Smart Driver (HUK) and
-Better Drive (Cosmos Direct) are some of them.
What’s so special with this tariffs ?
With these tariffs, the driving behavior of the novice driver is recorded and sent to the
insurance. Acceleration, braking behavior and compliance of
speed limits are logged for every trip. It works
through an installed box or through an app.
If the beginner is driving well, he/she will be rewarded and even would get some money back.
2. Parents’ second car:
If your parents register your vehicle as their second car, you save a lot
money and you can also take the discount with you later on your policy.
3.Low type class:
Buy a car with a low type class. Decisive for the
Premium payment is also the type of the car.
Insurers are constantly collecting data on the vehicles that are in circulation
regarding accidents, breakdowns, theft etc.
The higher the risk, the higher the premium. Best before buying a car
determine the type and then decide.
4. Comparison is needed.
There are numerous insurers with very different prices. you should
compare each of them. There can be differences of up to 400-500€ per year
sometimes. If you are already insured, you can cancel the contract until the 30th of november,
Every year…
