Are your children also insured when riding your scooter?
The scooter insurance remains in effect when your son or daughter rides it. If, in the event of a claim, your child is not listed as the driver on the policy, the insurer may charge a higher deductible. Depending on the insurer, the deductible in the event of a claim could then amount to an additional €1,000, on top of the existing deductible. If you list your child as the scooter’s driver, you won’t risk this additional deductible.
Furthermore, the insurance company may still adjust the premium if it turns out that your son or daughter is the regular driver of the scooter. In that case, they must be listed as the regular driver.
It's even better to take out the insurance in your child's name, so that he or she can build up their own claim-free years. This can be beneficial if they switch to car or motorcycle insurance later on.
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