Being a young and new driver has its drawbacks if you want to take out car insurance. Find out in this article how insurance companies treat young people …

You have passed the driving test!

My congratulations, for it!

The next thing will be to take the first car that they leave you to start driving on those roads. But first, you must pay attention to two things: put the L that identifies that the vehicle is driven by a novice and confirm that the car has signed and in force the mandatory circulation insurance.

It is about civil liability insurance that covers personal and material damage that you may cause to a third party. The coverage it provides is regulated by law and by the conditions agreed in the contract. And among those conditions are those that affect the driver of the vehicle.

Those of us who are dedicated to this, know that young people and novices are more likely to suffer an accident. It is statistically proven that those over 65 have 4 times fewer accidents than young people who have not yet reached the age of 25.

And insurers are based on data like this to establish the price of insurance. But they also look at other things that you can discover in five facts that insurers look at before hiring car insurance.

I guess you have discovered that this post is about car insurance for a new driver. In it, you will discover what conditions insurers put in order to underwrite the insurance.

What circumstances do insurers consider in car insurance for a new driver?

Insurers establish the price of insurance based on historical loss data, segmenting them according to different risk groups. In the case of car insurance, the two fundamental variables that are taken into account are the circumstances of the driver and the vehicle to be insured.

To determine the risk group to which you belong as a driver, the insurer will ask you for two fundamental information, the date of birth and the date of obtaining the driving license.

What do insurers understand as a minor driver?

When we talk about car insurance, young people are the risk group most at risk of having an accident.

But at what age are you still considered young?

Well, until a few years ago each insurer had its own criteria. Today, most consider that they are young, those whose age is between 18 and 25 years. All the people that make up this group are considered young and will be penalized in the price of the insurance.

Despite this, the market is large and when it comes to hiring car insurance for a new driver, the range of products and prices is very varied.

The experience is not in age.

At the beginning of the post, I told you that young people have 4 times more accidents than people over 65 years old. There are two qualities, among others, that influence this to be so: prudence and experience.

The first is linked to age. The most impulsive young people are more exposed to recklessness than, together with the lack of experience behind the wheel, increases the probability of having a traffic accident.

It is assumed from a driver that the longer it has been since he obtained the driver’s license, the more experience he has acquired at the wheel. And although this is not always the case in practice, for insurers it is essential.

So if you are a young driver, less than 25 years old and new, less than two years old on the license, get ready, because the welcome reception, with which the insurers will receive you, will not be cheap.

The choice of car, another determining factor.

Although the age and age of the license are very important when hiring your insurance, the type of car can be decisive.

In all these years, dedicated to insurance, I have come across real nonsense, some with disastrous results. Young kids, with a fresh license, driving cars with more than 180 HP of power with just over 1,200 kg of weight.

If you want to pay a reasonable price for your car insurance, you have to seriously think about which model you are going to buy. The truth is that having a car with more power, more exclusive, faster, will make the price of insurance higher. Most insurers penalize for the power of the car, and more if you are new and young.

The union of these three circumstances can be a serious blow to your pocket.

Depending on your circumstances, the surcharges can range from 20% in the best of cases, to exceed 130% of the price that a driver over 30 years of age would pay for the same insurance.

Two tricks with consequences: not appearing on the policy or doing it as an occasional driver.

There are formulas to reduce the price that young novice drivers have to pay, but I do not recommend that you use them.

One of the most frequently used tricks is, for example, that of the kid who takes out his driver’s license and buys a car, but it is nowhere to be found in the insurance. He does not do it as a taker, nor as a driver. In this case, it is the father or mother who becomes the regular driver of the car. This means that the price of insurance does not become more expensive, but at the same time you are going to take some risks that we will see later.

The other trick used is to include the novice driver as an occasional driver, despite being the regular driver of the car. Most insurers penalize this situation, applying certain surcharges when you modify the car insurance for new drivers.

It is clear that the cost will be lower than if it were the usual driver, but you are not going to get rid of some of the consequences of falsifying the driver’s circumstances.

What are the consequences of not being listed in the insurance as a regular driver?

In insurance, most of the time, the consequences are noticed when the insured risk occurs. That is when the loss occurs.

The most convenient thing is, if you are the usual driver of the car, to appear as such, even if you are young and fledgling. It is about avoiding compromised situations that can put personal or family assets at risk.

Without history, there are no bonuses.

Having a good insurance record pays off. But to have it, the first thing is to appear on the insurance policy.

When you let the insurance holder be a veteran driver, generally the father or the mother, two things can happen: if you are a good driver you will make the holder the one who benefits from the bonuses and the best prices on insurance. With your history, you will be able to change insurers and obtain better conditions in the contract. On the contrary, in the event of an accident, your driving record will be penalized, having to pay more for insurance.

Whatever the case, with your attitude there is always someone who gets hurt.

The regular driver is the main beneficiary of the coverage contracted in the policy, provided that he meets the stipulated conditions and that the information provided to the company is true.

Lack of coverage in the event of an accident.

One of the conditions imposed to enter into an insurance contract is the accuracy of the data on the insured risk. In-car insurance, knowing who will be the driver is essential to determine the conditions that will govern the contract.

The consequences of having a traffic accident can range from causing a small dent to causing very serious injuries to people.

When the driver does not match the one declared in the policy and it is a young or new driver, the insurer may refuse you the consequences of the accident. In the worst case, if it is interpreted that there has been fraud or bad faith when hiding the information about the driver, it could invalidate the policy.


If you are young and new, but you are going to drive daily or very frequently, there is no excuse, you must appear as the insurance holder and regular driver of the car. Only in the case that you are going to make sporadic use of the car, is when you should appear as an occasional driver. And although the insurers will not take into account the time of experience as an occasional driver, you will be able to enjoy the insurance coverage.

The downside of new driver car insurance is the price you have to pay for it. But if you do it right from the beginning and you are a good driver, as you accumulate years of seniority with the license or you become years of age, the price will be reduced. You will also avoid falling into situations like these:

  • Lack of driving history because you have not been listed in any insurance.
  • Benefit or penalize a third party because he is the one who appears as the insurance holder.
  • Lack of certain coverage or even insurance in the event of an accident, if the insurer considers that there was bad faith when signing the contract.

Ah! I forget to tell you that, if no insurer wants you, there is the Insurance Compensation Consortium where you can take out car insurance for new drivers.

We want to hear from you. What did you do when you took out your car insurance as a new driver, was it worth it?


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