{"id":13831,"date":"2026-08-12T06:00:30","date_gmt":"2026-08-12T04:00:30","guid":{"rendered":"https:\/\/pibgroupiberia.com\/?p=3569"},"modified":"2026-08-13T13:53:39","modified_gmt":"2026-08-13T11:53:39","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 the car insurance if they drive?"},"content":{"rendered":"<div style=\"width: 100%; max-width: 100%; overflow-x: hidden; box-sizing: border-box;\">\n<p>If your child is going to drive your car, the wisest thing to do is <strong>Declare it on the car insurance<\/strong>, Especially if you are a habitual driver, a frequent occasional driver, under 25 or 26 years old, or have few years of driving experience. There is no single rule that applies to all insurers, because each policy can define differently which drivers must appear explicitly.<\/p>\n<p>The key is to differentiate between the <strong>legal obligation to have mandatory insurance for the vehicle<\/strong> and the <strong>contractual obligation to correctly declare the risk<\/strong>. The car must be insured, but the insurer must also know who is driving it if that circumstance affects the price, acceptance, or terms of the policy.<\/p>\n<p>At PIB Group Iberia we work with solutions from <a href=\"\/en\/individuals\/insurance-solutions-for-individuals\/car-insurance\/\">car insurance<\/a> and we analyze each case to review the habitual driver, occasional driver, age, card validity, vehicle use, bonus and contracted coverage.<\/p>\n<div style=\"font-family: Roboto, Arial, sans-serif; width: 100%; max-width: 100%; box-sizing: border-box; border: 1px solid #D9D8D6; border-left: 6px solid #DDBA0E; padding: 20px 22px; margin: 28px 0; background: #F7F7F7;\">\n<p style=\"margin: 0 0 10px 0; color: #2e3538; font-size: 20px; line-height: 1.35; font-weight: bold;\">Updated in August 2026<\/p>\n<p style=\"margin: 0; color: #2e3538; font-size: 16px; line-height: 1.6;\">Content revised in accordance with the Insurance Contract Act, the Civil Liability and Motor Vehicle Insurance Act, and current contracting criteria in auto insurance. Conditions may vary depending on the insurer and policy.<\/p>\n<\/div>\n<div style=\"font-family: Roboto, Arial, sans-serif; width: 100%; max-width: 100%; box-sizing: border-box; border: 1px solid #D9D8D6; border-left: 6px solid #DDBA0E; padding: 20px 22px; margin: 28px 0; background: #F7F7F7;\">\n<p style=\"margin: 0 0 10px 0; color: #2e3538; font-size: 20px; line-height: 1.35; font-weight: bold;\">Quick answer: Do I have to include my child in the car insurance?<\/p>\n<ul style=\"margin: 0; padding-left: 20px; color: #2e3538; font-size: 16px; line-height: 1.6;\">\n<li><strong>Yes, if you plan to drive frequently:<\/strong> It must be listed as a regular driver or additional driver, depending on the actual usage.<\/li>\n<li><strong>Yes, if you are young or new to the policy:<\/strong> Many insurers apply special criteria based on the age or length of service of the cardholder.<\/li>\n<li><strong>Yes, if the insurer asks about other drivers:<\/strong> Not declaring it can be considered an inaccuracy or an increase in the risk.<\/li>\n<li><strong>It may not be necessary if you drive very regularly:<\/strong> It depends on the condition and the driver's profile.<\/li>\n<li><strong>The practical recommendation is to always notify the insurer:<\/strong> It eliminates uncertainties in the event of an accident and allows you to adjust the policy correctly.<\/li>\n<\/ul>\n<\/div>\n<h2>Can my child drive my car with my insurance?<\/h2>\n<p>You can drive it if you have a valid driver's license, have permission from the owner, and the vehicle has valid mandatory insurance. However, just because you can legally drive doesn't mean the policy will respond the same way in all cases if you don't declare it.<\/p>\n<p>If your child uses the car on a regular basis or has a profile that the insurer considers to be of higher risk, such as being a young driver or having a short driving record, the correct thing to do is to communicate this and check whether it should be listed as a regular driver, a second driver, or an occasional driver.<\/p>\n<p>The important point is this: <strong>Compulsory insurance is intended to protect third parties who are harmed.<\/strong>, However, voluntary coverage, own damage, assistance, defense, claim or possible recovery may depend on what is stipulated in the policy.<\/p>\n<h2>When should you declare your child to car insurance?<\/h2>\n<p>Not all situations are the same. This table summarizes the most common cases:<\/p>\n<div style=\"display: block; width: 100%; max-width: 100%; overflow-x: auto; overflow-y: hidden; -webkit-overflow-scrolling: touch; margin: 24px 0; box-sizing: border-box;\">\n<table style=\"width: 100%; min-width: 760px; max-width: none; border-collapse: collapse; font-family: Roboto, Arial, sans-serif; font-size: 15px; line-height: 1.45;\">\n<thead>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">Situation<\/th>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">Is it worth declaring it?<\/th>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">As it usually appears<\/th>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">Risk if not declared<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Your child uses the car daily or several times a week<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Yes.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Regular driver or additional driver.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">It can be considered an incorrect risk statement.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Your child drives alone only occasionally<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">It depends on the policy, but it is advisable to check it.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Occasional driver, if the insurer allows it.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">There may be problems if you are young, single, or do not meet the allowed profile.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Your child has just gotten their driver's license<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Yes, especially if you are going to drive the vehicle.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Novel conductor or occasional conductor.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">The insurer may apply limits, surcharges, or contractual exclusions.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Your child is under 25 or 26 years old<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Yes, if the policy considers you to be a higher-risk profile.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Young driver, occasional or additional driver.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">It can affect the premium and the response in an accident.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">The car is in your son's name but the insurance is in your name<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">It must be reviewed on a case-by-case basis.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">The person taking out the insurance, the owner and the driver may not agree, but they must declare it correctly.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">There may be problems if the actual driver does not match the declared information.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"margin: -14px 0 22px 0; color: #666666; font-size: 13px; line-height: 1.4;\">On mobile, slide the table horizontally to see all the information.<\/p>\n<h2>Regular driver, occasional driver and second driver: differences<\/h2>\n<p>In car insurance, not all drivers have the same role. Declaring them correctly helps the policy reflect the actual use of the vehicle.<\/p>\n<div style=\"display: block; width: 100%; max-width: 100%; overflow-x: auto; overflow-y: hidden; -webkit-overflow-scrolling: touch; margin: 24px 0; box-sizing: border-box;\">\n<table style=\"width: 100%; min-width: 720px; max-width: none; border-collapse: collapse; font-family: Roboto, Arial, sans-serif; font-size: 15px; line-height: 1.45;\">\n<thead>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">Figure<\/th>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">What it means<\/th>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #2E3538; color: #ffffff; text-align: left; vertical-align: top;\" scope=\"col\">Typical example<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Regular conductor<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Person who uses the vehicle primarily or most frequently.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Your child uses the car to go to school or work several days a week.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Occasional driver<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Person who drives the vehicle sporadically, but is identified in the policy.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Your child drives on weekends or during holidays.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Second driver<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Additional driver declared alongside the main driver. It can be occasional or frequent, depending on the insurer.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">A child, partner or family member who also uses the car.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Taker<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Person who contracts the policy and assumes the obligations of the contract.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">The father purchases the insurance, although the son also drives the car.<\/td>\n<\/tr>\n<tr>\n<th style=\"padding: 12px; border: 1px solid #D9D8D6; background: #ffffff; color: #2e3538; text-align: left; vertical-align: top;\" scope=\"row\">Owner<\/th>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">Person who owns the vehicle.<\/td>\n<td style=\"padding: 12px; border: 1px solid #D9D8D6; color: #2e3538; vertical-align: top;\">The car can be in the name of the child and the policy can have another named holder, if the insurer accepts it and declares it correctly.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"margin: -14px 0 22px 0; color: #666666; font-size: 13px; line-height: 1.4;\">On mobile, slide the table horizontally to see all the information.<\/p>\n<h2>What is considered a new driver in car insurance?<\/h2>\n<p>In traffic, the term \"new driver\" is often associated with a driver with a short driving license history. In fact, the V-13 sign for \"new driver\" identifies a vehicle driven by a person whose license is less than one year old, according to vehicle regulations.<\/p>\n<p>However, in car insurance the criteria can be broader. An insurer may consider a driver to be of higher risk because of:<\/p>\n<ul>\n<li>Age below a certain threshold, such as 25, 26 or 30 years, depending on the entity.<\/li>\n<li>Short age of the driver's license.<\/li>\n<li>Absence of own insurance historyrial.<\/li>\n<li>Lack of prior bonus.<\/li>\n<li>Type of vehicle, power or declared use.<\/li>\n<li>Normal circulation or parking area.<\/li>\n<\/ul>\n<p>Therefore, it should not be assumed that \u201cceasing to be a driver\u201d for the DGT automatically means ceasing to be a driver with a higher risk for insurance. Each insurer\u2019s policy and acceptance criteria may establish different conditions.<\/p>\n<h2>Is it mandatory to include a new driver in the insurance?<\/h2>\n<p>If a novice driver is going to drive the car on a regular or occasional basis, it is advisable to declare it. In many cases, it will be necessary for the policy to correctly reflect the risk.<\/p>\n<p>The Insurance Contract Act states that the policyholder must declare the known circumstances that may influence the risk assessment and communicate those that worsen it during the contract. Age, the driver's experience, and the use of the vehicle can be relevant circumstances for the insurer.<\/p>\n<p>If a young or inexperienced driver is not declared when they should have been, problems can arise in the event of an accident, especially in cases of voluntary coverage or own damage.<\/p>\n<h2>What happens if my child has an accident and is not covered by insurance?<\/h2>\n<p>The answer depends on the policy, the type of coverage affected, the driver profile, and the circumstances of the accident.<\/p>\n<p>Generally speaking, the following situations can occur:<\/p>\n<ul>\n<li><strong>Damage to third parties:<\/strong> Compulsory insurance has rules for protecting the injured party, but that does not necessarily eliminate subsequent contractual problems.<\/li>\n<li><strong>Damage caused by the car itself:<\/strong> The insurer can check whether the driver was declared and whether he or she met the terms of the policy.<\/li>\n<li><strong>Voluntary coverages:<\/strong> Assistance, moons, theft, defense, claim or all risks may depend on the condition.<\/li>\n<li><strong>Reduction of benefit:<\/strong> If the insurer proves that the declared risk did not match the actual one, a proportional reduction could be applied in certain cases.<\/li>\n<li><strong>Later claim:<\/strong> In cases provided for by law or contract, the insurer could repeat the action against the policyholder, insured, owner or driver.<\/li>\n<\/ul>\n<p>Therefore, before letting your child drive the family car, it is advisable to check the condition and notify the insurer or mediator.<\/p>\n<h2>Can someone who is not covered by insurance drive my car?<\/h2>\n<p>It is possible for an uninsured driver to drive a vehicle that is very well insured. Some policies allow it if the driver meets certain age, license age, and owner approval requirements. Others set stricter limitations.<\/p>\n<p>The key aspects that are usually reviewed are:<\/p>\n<ul>\n<li>If the driver had a valid driver's license.<\/li>\n<li>If it was authorized by the owner.<\/li>\n<li>Whether it was a one-time or regular use.<\/li>\n<li>If the driver was young or new to driving.<\/li>\n<li>If the policy excludes or limits drivers who are not declared.<\/li>\n<li>If the accident affects third parties, own damage or voluntary cover.<\/li>\n<\/ul>\n<p>If you have any doubts, it is not advisable to resolve them \u201cat sight\u201d. The correct thing to do is to review the specific and general terms of the policy.<\/p>\n<h2>Age and card history: why they matter for insurance<\/h2>\n<p>The driver's age and years of driving experience influence the risk assessment. Therefore, adding a young child or someone with a recent license can increase the premium, modify conditions, or require that they be explicitly listed in the policy.<\/p>\n<p>Each insurer uses its own criteria. Some base their decisions primarily on age; others on the card\u2019s age; others combine both factors. The car\u2019s power, usage, home address, accident historyrial, and the type of policy can also influence the decision.<\/p>\n<details style=\"font-family: Roboto, Arial, sans-serif; width: 100%; max-width: 100%; box-sizing: border-box; border: 1px solid #D9D8D6; padding: 14px 16px; margin: 14px 0; background: #ffffff;\">\n<summary style=\"cursor: pointer; color: #2e3538; font-size: 17px; line-height: 1.4; font-weight: bold;\">See factors that can increase insurance costs by adding a child<\/summary>\n<ul style=\"margin: 14px 0 0 0; padding-left: 20px; color: #2e3538; font-size: 15px; line-height: 1.6;\">\n<li>Driver's age is below the legal minimum.<\/li>\n<li>Short age of the card.<\/li>\n<li>No previous insurance historyrial.<\/li>\n<li>Powerful vehicle or one of higher value.<\/li>\n<li>Full risk or with own damage mode.<\/li>\n<li>Frequent use of the car.<\/li>\n<li>Traffic or parking zone.<\/li>\n<li>Historyrial of family or vehicle accidents.<\/li>\n<\/ul>\n<\/details>\n<h2>How much does it cost to include my child in car insurance?<\/h2>\n<p>There is no single price for adding a child to car insurance. The cost can be zero, moderate or high depending on the insurer, the driver profile and the contract type.<\/p>\n<p>To calculate it, the insurer usually checks:<\/p>\n<ul>\n<li>Age of your child.<\/li>\n<li>Years of experience.<\/li>\n<li>Real use of the vehicle.<\/li>\n<li>Whether you will be a regular or occasional driver.<\/li>\n<li>Type of car and power.<\/li>\n<li>Insurance policy type: Third party, extended third party or all risks.<\/li>\n<li>Franchise, if it exists.<\/li>\n<li>Historyrial of accidents.<\/li>\n<\/ul>\n<p>If the price rises significantly, it is not advisable to hide it from the driver. It is better to compare alternatives, review the terms and conditions, consider a deductible, or consider whether it would be worthwhile to purchase a specific policy for young drivers.<\/p>\n<div style=\"font-family: Roboto, Arial, sans-serif; width: 100%; max-width: 100%; box-sizing: border-box; border: 1px solid #D9D8D6; border-left: 6px solid #DDBA0E; padding: 20px 22px; margin: 28px 0; background: #F7F7F7;\">\n<p style=\"margin: 0 0 8px 0; color: #2e3538; font-size: 20px; line-height: 1.35; font-weight: bold;\">Do you want to include your child in car insurance?<\/p>\n<p style=\"margin: 0; color: #2e3538; font-size: 16px; line-height: 1.6;\">At PIB Group Iberia we review age, years of car registration, vehicle usage, contracted policy type and policy conditions to help you find a suitable solution.<br \/>\n<a style=\"color: #2e3538; font-weight: bold; text-decoration: underline; text-decoration-color: #DDBA0E; text-underline-offset: 3px;\" href=\"\/en\/corporate\/contact\/\">Requests a personalized assessment<\/a>.<\/p>\n<\/div>\n<h2>Can my 25 or 26-year-old son drive my car?<\/h2>\n<p>Yes, you can drive if you have a valid license and the car is insured; however, for insurance purposes, you need to check the policy. Some insurers reduce or eliminate restrictions based on a certain age or length of driving experience; others maintain their own criteria.<\/p>\n<p>The fact that your child is 25 or 26 years old does not automatically guarantee that they are covered in all circumstances if they do not show up to be declared. The important thing is to check:<\/p>\n<ul>\n<li>Minimum age required by the policy for drivers who are not declared.<\/li>\n<li>Minimum card age.<\/li>\n<li>Whether the use will be habitual or occasional.<\/li>\n<li>If it involves damage to third parties or damage to the property itself.<\/li>\n<li>If there are specific restrictive clauses.<\/li>\n<\/ul>\n<h2>Can a novice driver drive any car?<\/h2>\n<p>A novice driver can drive vehicles for which they have valid permission, but that doesn't mean any insurance will respond the same way if the driver isn't declared. In auto insurance, the driver's profile can be a relevant risk factor.<\/p>\n<p>If the new driver is going to use a family car, it is advisable to inform the insurer in advance. If they are going to buy their own vehicle, they may be interested in reviewing specific options for their first car insurance.<\/p>\n<p>You can expand on this point in our article about <a href=\"\/en\/blog\/take-out-my-first-car-insurance-how-do-i-get-cheap-car-insurance\/\">How to get your first car insurance and get a good price<\/a>.<\/p>\n<h2>Car in my son's name and insurance in my name: is that possible?<\/h2>\n<p>There may be a difference between the owner, the borrower, the insured person and the driver. However, all these details must be declared correctly. If the car is in the name of your child but you are listed as the borrower, the insurer must know who the owner is and who the actual driver will be.<\/p>\n<p>The problem arises when a formal structure is used to hide the main driver. For example, having the insurance under the name of a parent when the car is actually normally driven by the young son or daughter can create conflicts in the event of an accident.<\/p>\n<p>The policy must reflect the reality of the vehicle's use.<\/p>\n<h2>Several cars in the house: Which one should I include my child in?<\/h2>\n<p>If there are several cars in the family unit, it is not always enough to declare the child in one of them. It is necessary to analyze which vehicle the child will actually drive, how often and under what conditions.<\/p>\n<p>It is worth reviewing:<\/p>\n<ul>\n<li>What car do you drive most often?.<\/li>\n<li>If you are going to use several vehicles in the family.<\/li>\n<li>Which car has the higher power or value.<\/li>\n<li>Which policy has broader coverage.<\/li>\n<li>If the insurer requires you to declare it on each vehicle.<\/li>\n<li>Whether it is covered by a policy in other home vehicles or not.<\/li>\n<\/ul>\n<p>It is not advisable to assume that being listed in a car automatically covers all the vehicles in the family. It will depend on the individual contract.<\/p>\n<h2>What should you check before letting your child drive your car?<\/h2>\n<p>Before your child drives the family car, check these points:<\/p>\n<ul>\n<li><strong>Driving license:<\/strong> It must be valid and enabled for that vehicle.<\/li>\n<li><strong>Real use:<\/strong> Punctual, frequent or habitual.<\/li>\n<li><strong>Age and seniority:<\/strong> Check if the policy sets limits.<\/li>\n<li><strong>Declared driver:<\/strong> Check whether it should be listed as habitual, occasional, or additional.<\/li>\n<li><strong>Coverings:<\/strong> It's not the same as taking all risks.<\/li>\n<li><strong>Franchise:<\/strong> You can change the cost assumed in the event of an accident.<\/li>\n<li><strong>Own damage:<\/strong> Check if they are covered with that driver.<\/li>\n<li><strong>Assistance and defense:<\/strong> Check if they have restrictions for drivers.<\/li>\n<li><strong>Special conditions:<\/strong> They are decisive in determining who is covered.<\/li>\n<\/ul>\n<h2>What does the Insurance Contract Act say about declaring the risk?<\/h2>\n<p>The <a href=\"https:\/\/boe.es\/buscar\/doc.php?id=BOE-A-1980-22501\" target=\"_blank\" rel=\"noopener noreferrer\">Insurance Contract Law<\/a> It establishes that the policyholder must declare to the insurer, in accordance with the questionnaire that the insurer submits to them, all known circumstances that may influence the risk assessment. They must also communicate during the contract\u2019s validity any circumstances that worsen the risk and that, had they been known, would have led the insurer to not take out the policy or to do so under more severe conditions.<\/p>\n<p>In practice, if your child starts driving the car frequently, or if they are a young or inexperienced driver, that circumstance can influence the risk assessment. That is why you should communicate with them.<\/p>\n<p>If the accident occurs before an inaccurate statement is corrected, the insurer may analyze whether it is appropriate to reduce the benefit proportionally. If there was intentional wrongdoing or serious fault, the conflict could be greater.<\/p>\n<h2>What does the regulations of mandatory car insurance say?<\/h2>\n<p>The <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2004-18911\" target=\"_blank\" rel=\"noopener noreferrer\">Law on civil liability and insurance in the circulation of motor vehicles<\/a> It requires the owner of a vehicle with regular parking in Spain to subscribe to insurance for each vehicle owned by them.<\/p>\n<p>The lack of insurance can involve:<\/p>\n<ul>\n<li>Prohibition to drive the vehicle.<\/li>\n<li>Deposition or seal of the vehicle in the foreseen circumstances.<\/li>\n<li>Fine for failing to present documentation proving insurance when required.<\/li>\n<li>Penalty of 601 to 3,005 euros for failing to comply with the obligation to insure.<\/li>\n<\/ul>\n<p>This is different from declaring or not declaring to a second driver. A vehicle may have mandatory insurance in effect and yet there may be a contractual problem if the actual driver does not match the declared risk.<\/p>\n<h2>Common mistakes when including a child in car insurance<\/h2>\n<ul>\n<li><strong>Thinking that it is enough for the car to be insured:<\/strong> The vehicle must have insurance, but the policy must also correctly reflect who is driving it.<\/li>\n<li><strong>Not distinguishing between occasional and habitual use:<\/strong> If your child uses the car frequently, it should not be treated as a one-time use.<\/li>\n<li><strong>Hiding that you are a new driver:<\/strong> It can cause problems in the event of an accident.<\/li>\n<li><strong>Hiring on behalf of the father if the child drives:<\/strong> If the child is the actual driver, they must declare it.<\/li>\n<li><strong>Do not review the specific conditions:<\/strong> There are usually age limits, license plates, or authorized drivers listed there.<\/li>\n<li><strong>Comparing only by price:<\/strong> A cheaper premium can end up costing you more if it leaves doubts about the coverage.<\/li>\n<li><strong>Assuming that a policy covers all family cars:<\/strong> Being declared in a vehicle does not always extend coverage to others.<\/li>\n<li><strong>Not informing when the use of the car changes:<\/strong> If your child starts driving more, you need to communicate this.<\/li>\n<\/ul>\n<h2>How to include your child in car insurance?<\/h2>\n<p>To add your child to the insurance, it is usual to contact the insurer or intermediary and provide the necessary data to recalculate the risk.<\/p>\n<details style=\"font-family: Roboto, Arial, sans-serif; width: 100%; max-width: 100%; box-sizing: border-box; border: 1px solid #D9D8D6; padding: 14px 16px; margin: 14px 0; background: #ffffff;\">\n<summary style=\"cursor: pointer; color: #2e3538; font-size: 17px; line-height: 1.4; font-weight: bold;\">See the data that they usually request to add a driver<\/summary>\n<ul style=\"margin: 14px 0 0 0; padding-left: 20px; color: #2e3538; font-size: 15px; line-height: 1.6;\">\n<li>Name and surname.<\/li>\n<li>DNI or NIE.<\/li>\n<li>Date of birth.<\/li>\n<li>Date of obtaining the driver's license.<\/li>\n<li>Type of permit.<\/li>\n<li>Planned use of the vehicle.<\/li>\n<li>Whether it will be a regular, occasional, or additional driver.<\/li>\n<li>Previous insurance historyrial, if any.<\/li>\n<li>Possible previous accidents.<\/li>\n<\/ul>\n<\/details>\n<p>After that, the insurer can keep the premium, apply a surcharge, modify the conditions, or propose another option. The important thing is that the policy is clear before the driver uses the car.<\/p>\n<h2>How to get car insurance for a young or novice driver?<\/h2>\n<p>If your child has just gotten their driver's license or is under 25 years old, it's normal for the insurance to be more expensive. That doesn't mean you have to accept the first option or hide information.<\/p>\n<p>To improve hiring, it is advisable to:<\/p>\n<ul>\n<li>Compare several insurers.<\/li>\n<li>Determine whether they should be considered a habitual or occasional driver.<\/li>\n<li>Reviewing policies with third parties, extended third parties or all-risk with a deductible.<\/li>\n<li>Avoid vehicles that are too powerful for a first insurance policy.<\/li>\n<li>Generate your own insurance historyrial whenever possible.<\/li>\n<li>Check if you can benefit from a family discount in some alternative option.<\/li>\n<li>Having advice to avoid coverage gaps.<\/li>\n<\/ul>\n<h2>Compare your car insurance with personalized advice<\/h2>\n<p>Including your child in car insurance can affect the price, but it also prevents major problems if an accident occurs. The decision should be based on the actual use of the vehicle, age, years of driving license, the type of policy purchased, and the terms of the policy.<\/p>\n<p>At PIB Group Iberia we can help you review your current insurance and compare alternatives, taking into account habitual driver, occasional driver, new profile, coverage, deductible, price and the real needs of the family.<\/p>\n<p><a href=\"\/en\/corporate\/contact\/\"><strong>Requests a personalized assessment<\/strong><\/a> and sarewe reviewed what option of <a href=\"\/en\/individuals\/insurance-solutions-for-individuals\/car-insurance\/\">car insurance<\/a> It might fit better with you and your child.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>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":2,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/13831\/revisions"}],"predecessor-version":[{"id":22542,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/13831\/revisions\/22542"}],"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}]}}