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Car insurance: young driver and overweight

Verified 21 septembre 2020 - Directorate for Legal and Administrative Information (Prime Minister)

If you are a young driver or a new driver, the insurer can apply a premium supplement to your auto insurance contract. This supplement is called overload, is also applied to the driver who has been uninsured for 3 years. The amount is lower for drivers who have completed the early driving training. The application of the bonus is combined with the application of the bonus/malus system.

The insurer may apply a premium to you when signing your contract auto 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 applicable tariff will therefore be higher than the normal tariff based on the type of vehicle and the age of the driver.

The mark-up decreases by half each year without accident involving your responsibility. And it disappears after three full years of accident-free insurance.

The amount is different depending on whether or not you have taken the early learning driving training.

General case

Evolution of the premium rate for novice drivers according to the length of insurance

Period

Premium rate for novice drivers

1mother year

100 % increase in the initial premium

2e year (after a year without claim involving your responsibility)

50 % increase in the initial premium

1e year (after 2 years without claim involving your responsibility)

25 % increase in the initial premium

4e year (after 3 years without claim involving your responsibility)

There is no increase in the initial premium

Driver who has completed early training

Evolution of the premium rate for novice drivers according to the length of insurance

Period

Premium rate for novice drivers

1mother year

50 % increase in the initial premium

2e year (after a year without claim involving your responsibility)

25 % increase in the initial premium

1e year (after 2 years without claim involving your responsibility)

12,5 % increase in the initial premium

4e year (after 3 years without claim involving your responsibility)

There is no increase in the initial premium

The bonus/malus system shall also apply to young drivers and novice drivers. Thus, increases or decreases in the insured's behavior are combined with the insurance premium system.

Example :

With a reference premium of €500and for a young person or novice driver who has no accident, the situation would be as follows whether or not he or she had completed the early training:

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Driver who has not completed the advanced training

Evolution of the premium for a young driver with no claims

Period

Override

Bonus coefficient

Premium paid

Subscription

100%

1

€500 * 2 = €1000

1to anniversary

50%

0.95

(€500 * 1.5) * 0.95 = €712.50

2e anniversary

25%

0.90

(€500 * 1.25) * 0.9 = €562.50

1e anniversary

None

0.85

(€500 * 0.85)= €425

Driver who has completed early training

Evolution of the premium for a young driver who has completed early learning and has no claim

Period

Override

Bonus coefficient

Premium paid

Subscription

50%

1

€500 * 1.5 = €750

1to anniversary

25%

0.95

(€500 * 1.25) * 0.95 = €593.75

2e anniversary

12,5 %

0.90

(€500 * 1.125) * 0.9 = €478.13

1e anniversary

None

0.85

(€500 * 0.85)= €425

Not all insurance companies apply the premium for novice drivers. Check this item in the conditions before signing the contract.

  Please note : a young driver may be declared in the insurance contract of his parents, with the agreement of the insurance company. It may apply an increase in the premium.