Accompanied driving and insurance
Accompanied driving at 17 is becoming increasingly popular in Germany and the number of accidents speaks for itself. Novice drivers who got their driver's license at 17 cause fewer accidents than their peers without this project. Either way: You have to report young drivers to your insurance company.
Accompanied driving and your car insurance - what you need to consider
- For the most part, it is so that the youngster is existing Car insurance of parents is included. Depending on how the parents have been insured up to now, this can be very expensive. Almost all insurers offer huge discounts if no people under 23/25 (depending on the provider) drive the vehicle.
- The corresponding surcharge is very different - depending on the insurer. Therefore, it is strongly recommended that you check with various car insurers beforehand. Some of these insurers in turn grant a small bonus for accompanied driving, since the accident figures of the participants in this project are demonstrably lower. The best way to find out whether this is also the case with your insurance company is to contact your insurance company's hotline or your insurance broker.
- However, there is a very positive aspect for the driver when he drives his own car at the age of 18. Since the accident rate of those who used accompanied driving is significantly lower, there is meanwhile, a large number of motor insurers offer a discount on the otherwise very high one Starting bonus.
This can happen if you don't adjust the insurance
- If you would rather save and not state the young driver to your insurance company, you should be aware that this can have consequences.
- First things first: With motor vehicle liability insurance, your insurer always has to pay in the event of a claim, even if you have not specified the young driver. However, you are not fine with it. Your contract will be changed retrospectively and the driver will be included under 23/25. The underpaid premium will then be claimed directly from you. In addition, the insurance company can also demand a fine.
- In the Partial coverage or fully comprehensive insurance can be different. The probability is high that there will be major problems in the event of a claim or that the insurance company will refuse to provide benefits completely. For this reason, you should always bite the bullet and inform your insurance company, especially when it comes to vehicles with comprehensive insurance.
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