Car insurance: young driver and premium
Verified 02 February 2024 - Directorate for Legal and Administrative Information (Prime Minister)
Are you a young driver or a new driver and want to insure your car? Your insurer may charge you a premium supplement. This supplement, contribution, called extra premium, is also applied to the driver who has not had car insurance for 3 years. The extra premium can be combined with the effects of the bonus/malus. We present the applicable rules.
The insurer can apply a premium to you during the underwriting your car contract in the following 2 cases:
- You have had your license for less than 3 years (young driver or new driver)
- You have had your license for more than 3 years, but you have not been insured for more than 3 years
The premium surcharge is calculated by applying a percentage to the levy, i.e. the fare corresponding to the type of vehicle and the age of the driver.
The premium is degressive in the absence of a claim: the premium premium is reduced by half of its initial rate each year without an accident involving your liability.
The premium premium premium thus disappears after 2 full years of insurance without a responsible accident.
The percentage of the increase varies depending on whether you have taken the advanced training to learn to drive or not:
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General case
Period | Rate of premium for novice drivers |
|---|---|
1era year | 100 % increase in the initial premium |
2e year (after a disaster-free year involving your liability) | 50 % increase in the initial premium |
3e year (after 2 years without loss involving your liability) | There is no further increase in the initial premium |
Driver who has completed the advanced training
Period | Rate of premium for novice drivers |
|---|---|
1era year | 50 % increase in the initial premium |
2e year (after a disaster-free year involving your liability) | 25 % increase in the initial premium |
3e year (after 2 years without loss involving your liability) | There is no further increase in the initial premium |
The increases in charges for the multiplication of claims provided for by the bonus/malus system may be combined with the young driver-specific surcharge.
The way in which these increases apply varies depending on whether or not you have taken the advance driving training.
Example :
With a reference premium of €500, and for a young person or a novice driver who has had no accident, the situation would be as follows, whether or not he has taken the anticipated training:
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General case
Period | Overpremium | Bonus Coefficient | Premium payable |
|---|---|---|---|
Subscription | 100% | 1 | €500 * 2 = €1000 |
1er birthday | 50% | 0.95 | (€500 * 1.5) * 0.95 = €712.50 |
2e birthday | None | 0.90 | (€500 * 0.9 = €450 |
Driver who has completed the advanced training
Period | Overpremium | Bonus Coefficient | Premium payable |
|---|---|---|---|
Subscription | 50% | 1 | €500 * 1.5 = €750 |
1er birthday | 25% | 0.95 | (€500 * 1.25) * 0.95 = €593.75 |
2e birthday | None | 0.90 | €500 * 0.9 = €450 |
Not all insurance companies apply the surcharge for novice drivers. You have to check that in the contract proposals before you sign.
Please note
A young driver can be declared in his parents' insurance contract, with the agreement of the insurance company. It may apply an increase in the premium at that time.
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General insurance provisions
National Institute of Consumer Affairs (INC)