Car insurance if you are under 25: what about it?
You purchased your very first car, which is always a special moment. A car gives a great feeling of freedom. But at the same time, it also brings a lot of responsibility. You suddenly have to pay for fixed expenses, and on top of that come the costs of gasoline and maintenance. Monthly expenses also include your car insurance. But what about insurance when you are under 25? Are there any special conditions? Or does the premium consist of other costs? In this blog, Alpina explains it for you.
The premium for car insurance under 25 years of age
When you buy your first car, it means that a car is registered in your name for the first time. This also means that the insurance will be in your name for the first time.
Because you have never had an insurance before, you have not yet built up any claim-free years. Claim-free years are the number of years that you have car insurance, but you have not used it. Claim-free years can be built up. If you have more claim-free years, your premium will decrease per month. Drive responsibly and you will be better off financially. Certain insurance policies reduce the premium after a period of time by 70 to 80 percent.
Third-party liability (mandatory)
- Free recovery service
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
Limited airframe
- Free recovery service
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
All Risk (WA+Casco)
- Free recovery service
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
Which car insurance will it be?
Which car insurance you choose strongly depends on the value of your car. When the value of your car is higher, you are more inclined to take out more comprehensive insurance. The costs of repairs are higher when your car has a higher value. The insurances to choose from are shown below:
Third-party insurance & third-party limited case
When you buy your first car, there is a chance that your car does not have the highest value. Are you of the opinion that the amount of the premium does not outweigh the possible damage? Then it is best to take out WA or WA limited casco insurance.
A third-party insurance only covers the damage suffered by another party in an accident caused by you. The WA limited casco insurance besides damage to another person also covers theft, joyriding, loss, window damage and damage by fire and natural disasters.
All-Risk
An All-Risk insurance covers all the above mentioned damages. The big difference is that the damage to your own car is covered. When your car has a higher value, this is the best choice for insurance.
In the end, it is good to bear in mind that you will probably pay a slightly higher premium for all the insurances mentioned above. Logically, it is a higher risk for an insurer to insure persons under 25. People under the age of 25 have generally had their driving licence for less time. In addition, it has been proven that people under 25 are more often involved in accidents.
Get your car insurance through Alpina
Are you considering car insurance? Then take it out now at Alpina! Thanks to our wide choice, you will always find the right insurance for you. Do you still have doubts or questions about our car insurance? Feel free to contact our customer service. They are ready to answer all your questions.
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