{"id":13831,"date":"2023-05-02T13:00:30","date_gmt":"2023-05-02T11:00:30","guid":{"rendered":"https:\/\/pibgroupiberia.com\/?p=3569"},"modified":"2025-12-16T11:12:16","modified_gmt":"2025-12-16T10:12:16","slug":"should-i-declare-my-child-driving-on-my-car-insurance","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/en\/blog\/debo-declarar-en-el-seguro-de-coche-a-mi-hijo-si-conduce\/","title":{"rendered":"Should I include my child in my car insurance?"},"content":{"rendered":"

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<\/a> they are going to use. Let's see when it is necessary and if it is the same for all car insurance companies.<\/p>\n

What is the recharged driver?<\/h2>\n

Usually, in insurance jargon, we talk about a driver \u201c...\u201d.\u201creloaded<\/strong><\/em>\u201d when:<\/p>\n

    \n
  1. A person has under 26 years old<\/strong>, and\/or<\/li>\n
  2. It has obtained its driving licence less than two years ago<\/strong><\/li>\n<\/ol>\n

    We understand surcharged as a term used by insurance companies to refer to drivers with a higher risk than those with driving experience.<\/p>\n

    All this means that anyone who meets any of its requirements must be included in the policy.<\/strong> 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.<\/p>\n

    In this article, we explain how to get a cheap car insurance for young drivers.<\/a><\/p>\n

    \"including<\/p>\n

    Are the same criteria used to consider \u201csurcharged\u201d?<\/h2>\n

    The answer is emphatically NO.<\/strong> Herein lies the biggest risk of all: you have to be careful which company you are insured with and check this circumstance.<\/p>\n

    Example:<\/strong> 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.<\/p><\/blockquote>\n

    Main drivers and occasional drivers<\/h2>\n

    Most companies allow declare one or more occasional drivers<\/strong> in car insurance, in addition to the usual driver who is considered the policyholder.<\/p>\n

    This is of great benefit, as it allows them to be expressly set out in the policy<\/strong>, 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.<\/p>\n

    Although it is not compulsory to declare all these persons (except when they are recharged), we will now see that it is advisable.<\/p>\n

    Our advice: should I include my child in my car insurance?<\/h2>\n

    In conclusion, to avoid serious problems that can arise if we do not have our children declared, we must:<\/p>\n

      \n
    1. Inform us<\/strong> on what consideration my company has for young or newly \u201clicensed\u201d drivers\u201d<\/li>\n
    2. Act accordingly, and declare them in the policy when necessary<\/strong>, 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).<\/li>\n<\/ol>\n

      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.<\/p>\n

      From PIB Group Iberia<\/strong><\/a> we will try to help you with all your car insurance needs: from taking out the policy, to renewing it and any possible claims.<\/p>","protected":false},"excerpt":{"rendered":"

      Debemos prestar atenci\u00f3n a qu\u00e9 criterios usan las compa\u00f1\u00edas para considerar a un conductor \u00abrecargado\u00bb<\/p>","protected":false},"author":14,"featured_media":13832,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":4.9,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[16],"tags":[169],"class_list":["post-13831","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-particulares","tag-coche"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/13831","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/comments?post=13831"}],"version-history":[{"count":0,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/13831\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media\/13832"}],"wp:attachment":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media?parent=13831"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/categories?post=13831"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/tags?post=13831"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}