Car insurance if you are under 25 it: what about it?
You have purchased your very first car, which is always a special moment. A car gives a great sense 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 under-25 car insurance
When you buy your first car, it means that for the first time a car will be in your name. Which at the same time means that insurance will also be in your name for the first time.
Because you have not had insurance before, you also have not yet accumulated any claim-free years. Damage-free years are the number of years you have car insurance but have not used it. You can build up claim-free years. With more claim-free years, your premium per month goes down. Therefore, drive responsibly and you will be better off financially in the end. Some insurance policies reduce premiums by as much as 70 to 80 percent after a while.
Your car insurance coverage
WA (mandatory)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Limited casco
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
All Risk (WA+Casco)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Which car insurance will it be?
Which car insurance policy you choose depends greatly on the value of your car. When the value of your car is higher, you are more likely to purchase more comprehensive insurance. Once the cost of repairs is higher, when your car has a higher value. The insurance policies to choose from are listed below:
Third-party insurance & third-party limited motor insurance
When you purchase your first car, chances are that your car is not of the very highest value. Are you of the opinion that the amount of the premium does not outweigh the possible damage? If so, it is best to purchase third-party or limited liability insurance.
TPL insurance only covers damage to another person in an accident you cause. The WA limited casco insurance in addition to damage to another person also covers theft, joyriding, loss, windshield damage and damage caused by fire and natural disasters.
All-Risk
All-Risk insurance covers all of the above damages. The big difference is that it covers damage to your own car. If your car has a higher value, this is the best choice to take out as insurance.
Ultimately, it is worth remembering that with all of the insurance policies listed above, you will likely pay a slightly higher premium. Logically, it is a higher risk for an insurer to insure persons under 25. Persons under 25 have, as a rule, held their car license for less time. In addition, it has been proven that persons under 25 are more likely to be 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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