Car insurance for young people

Why do young people pay more for car insurance?

With most insurers, if you are under the age of 25, you will pay an age supplement and thus a higher premium. This is partly because:

• You have not yet accumulated any claim-free years,
• You have less driving experience.
• You are relatively more likely to drive into damage than people with more driving experience.

Is this age discrimination?

Insurers may not treat people differently just because of their age. They may do so if there is a clear difference. Young drivers on average cause more damage, so the premium may be higher for them.

Young people have accumulated fewer claim-free years

With car insurance for novice drivers, the number of claim-free years also determines how much you pay for insurance. The more claim-free years you have, the more discount you get on the premium.

Because as a novice driver you have no or few claim-free years, you do not yet receive this discount. You get claim-free years if you do not cause any damage and do not claim any damage with your insurer.

Greater risk of harm from young people

Insurers set their prices based on risk. Younger drivers have less experience and are more likely to have accidents. Therefore, insurers consider them riskier and pay more premium. More damage results in higher costs for insurers. To cover these costs, under-24s pay an extra surcharge on their premium.

Insurance companies don't just pay attention to your age. How much premium you pay also depends on your zip code and the type of car you have. For young people, it is often more difficult to insure a new or sporty car.

Additional coverages

In addition to standard third-party, third-party+ or all-risk insurance, there are additional coverages that may be smart for young people to consider.

• For example, comprehensive passenger insurance provides additional protection for yourself and your passengers in the event of injury or damage. Do you often drive with friends? Then this is not an unnecessary luxury.
• Traffic legal expenses insurance is also useful if you ever find yourself in a legal dispute, such as after an accident or when discussing liability.
• Many young people also drive an older car, so roadside assistance insurance can help with unexpected downtime.
• With no-claims protection, you can keep your accrued discount even if you have one claim.

And do you have valuable audio or accessories in your car? Then it's smart to insure them separately. That way you are also well covered for theft or damage to your equipment.

Learn more about the additional coverages with your car insurance.

Compare car insurance for young people

It is wise to compare car insurance often. Young people especially should compare well before choosing car insurance. The most expensive and the cheapest insurance can differ in price by more than a thousand euros per year. So by comparing well you can save a lot of money on your car insurance.

Purchase insurance in parent's name

Many young people take out insurance in their parents' names to avoid the extra costs for their age. Sometimes you will indeed pay less premium. Make sure that the car is then also in the name of one of the parents. Car insurance must always be in the name of the owner of the car or his or her partner.

When you buy car insurance, they ask who usually drives the car. If your parents say it's you, the insurer looks at your age and you pay more premium.

If parents do not say that their child usually drives the car, there can be major consequences. This is considered hiding important information and that is insurance fraud.