By default, the insurance premium paid by a young driver is always higher compared to that of an experienced driver. The reason for this is quite simple: they are more prone to accidents. And in the event of a penalty, this premium could even double or triple. So how can you get new car insurance when you have the profile of a young driver with a penalty?
What type of accident can lead to a penalty for a young driver? A penalty is applied to a driver as soon as they cause an accident. And if they were intoxicated or committed a hit-and-run at the time of the incident, the consequences would be catastrophic.
However, it should be noted that the penalty does not apply to all types of accidents. The young driver would not be held responsible if the damage caused was due to:
Theft, broken glass, or vandalism
- A natural disaster
- A fire
- An incident that occurred while their car was parked in a parking lot or designated parking area.
- Young driver with a penalty rating
For a minor accident, the driver’s bonus-malus coefficient would be reduced to 1.25. Consequently, insurance for a young driver with a penalty rating would be 25% more expensive than normal. Conversely, if they had no accidents throughout the year, they would have a 5% bonus rating.
In the case of a serious accident and aggravating circumstances (significant bodily injury, hit-and-run, driving under the influence of drugs or alcohol, etc.), if the driver doesn’t lose all the points on their license, there’s a strong chance their annual premiums will double. How can you find an insurer when you have a penalty rating?
The risk for a young driver with a penalty rating isn’t just the increased premium they have to pay. In fact, some insurance companies might refuse to insure them. Therefore, the simplest approach is to take out a policy with an insurer that offers plans specifically for drivers with penalty ratings and those whose policies have been cancelled. To find the best offer, it’s always recommended to compare prices based on the insurance coverage you’re looking for (car insurance, third-party liability, fire and theft, comprehensive, etc.).
What are the methods for reducing penalty ratings? For a young driver to hope to pay a lower premium, they must avoid having an accident for a minimum of two years. At the end of this period, their bonus-malus coefficient would be reset to 1. In addition, supervised driving is also a good way for a young driver to pay a lower premium.
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