A very important issue when our children are getting their driving licences is that we have to include them explicitly in the private car insurance they are going to use. Let's see when it is necessary and if it is the same for all car insurance companies.
What is the recharged driver?
Usually, in insurance jargon, we talk about a driver “...”.“reloaded” when:
- A person has under 26 years old, and/or
- It has obtained its driving licence less than two years ago
We understand surcharged as a term used by insurance companies to refer to drivers with a higher risk than those with driving experience.
All this means that anyone who meets any of its requirements must be included in the policy. as a driver. If this is not the case, the company may not provide cover in the event of a claim in which the driver is reloaded. It would be necessary to check the policy conditions to see if this is stated in the limiting clauses.
In this article, we explain how to get a cheap car insurance for young drivers.
Are the same criteria used to consider “surcharged”?
The answer is emphatically NO. Herein lies the biggest risk of all: you have to be careful which company you are insured with and check this circumstance.
Example: some companies stop recharging at 25 years of age and 2 years of driving licence, others at 27 years of age, some at 23; but, at the same time, some at 5 years after obtaining the driving licence.
Main drivers and occasional drivers
Most companies allow declare one or more occasional drivers in car insurance, in addition to the usual driver who is considered the policyholder.
This is of great benefit, as it allows them to be expressly set out in the policy, The people who frequently use the vehicle. We work with companies that do not apply a premium surcharge for this, although there are some insurers that do.
Although it is not compulsory to declare all these persons (except when they are recharged), we will now see that it is advisable.
Our advice: should I include my child in my car insurance?
In conclusion, to avoid serious problems that can arise if we do not have our children declared, we must:
- Inform us on what consideration my company has for young or newly “licensed” drivers”
- Act accordingly, and declare them in the policy when necessary, The aim is to generate a bonus (at least for that company, in case they buy their own vehicle at some point in the future).
Another issue would be when a family has several vehicles in the family nucleus, to know in which of all of them should be declared: some is in the one with more power, others in the one with more complete guarantees, etc. These cases should be studied on a case-by-case basis.
From PIB Group Iberia we will try to help you with all your car insurance needs: from taking out the policy, to renewing it and any possible claims.
