Car insurance for young people

Car insurance young people: take out the best and cheapest insurance immediately!

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  • i To calculate the premiums, we need the postal code of the main driver. In case of private use, the youngest driver must reside at the same address as the applicant. In case of business use you can fill in the postal code of the company.

Car insurance for young people is often not cheap. On average, young people up to 24 years pay considerably more for their insurance thanks to a premium surcharge. The differences between insurers can be very big. Moreover, young people often have to meet extra requirements when they want to take out a car insurance. It is therefore worthwhile to compare the various providers carefully.

Compare car insurance for young people

Regularly comparing your car insurance is advisable for everyone. But especially young people should compare well before they take out a car insurance. The difference in premium between the most expensive and the cheapest insurer can be more than a thousand Euros per year. Comparing car insurance for young people can save you a lot of money.

Young people pay more for car insurance

Statistics show that young people cause more damage. Young drivers are more often involved in an accident and therefore belong to a risk group. A higher premium for car insurance for young people is therefore understandable. More damage results in more potential costs for the insurer. To compensate these additional costs, they increase the car insurance premium by means of a premium surcharge for young people under 24 years of age. Age is thus a factor that determines premium. However, insurance companies do not only look at age. The premium also depends on the type of car and its power. A new or more sporty car is often more difficult to insure for young people.

Claim-free years young people

The premium for a car insurance for young people is also determined by the number of years without claims. You build up claim-free years with an insurer, as long as you do not make any claims on the car insurance due to your own fault. The more claim-free years you have built up, the more discount on the premium. Young people have little or no claim-free years. They miss out on this premium discount.

Car insurance in name of parents

Many young people who want to take out car insurance think they are being sensible by insuring their car in their parents' name. This can indeed save on premiums. But make sure that the car is registered in the name of one of the parents. The car insurance should always be in the name of the owner of the car or his/her partner. However, when the car insurance is taken out, it is asked who the regular driver is. If one of the parents indicates that this is the young person, the insurer will base the premium on the young person and you will still pay a higher premium. If the parents conceal the fact that their child is the regular driver, this can have serious consequences. In this case, insurance fraud is committed because the insurer has been provided with incorrect information.

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Compare car insurance in 4 steps

  • i To calculate the premiums, we need the postal code of the main driver. In case of private use, the youngest driver must reside at the same address as the applicant. In case of business use you can fill in the postal code of the company.

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Last updated: 15-06-2021

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