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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
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
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
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
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.