Car insurance: young driver and premium
Verified 21 September 2020 - Directorate for Legal and Administrative Information (Prime Minister)
If you are a young driver or a new driver, the insurer may charge you a premium supplement for your car insurance policy. This supplement, called extra premium, shall also be applied to the driver who has been uninsured for 3 years. The amount is lower for drivers who have completed the advance training in driving. The application of the premium surcharge is combined with the application of the bonus/malus system.
The insurer can apply a premium to you during the subscription of 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 fare that will apply will therefore be higher than the normal fare calculated on the basis of the type of vehicle and the age of the driver.
The surcharge is halved each year without an accident involving your liability. And it disappears after 3 full years of accident-free insurance.
The amount varies depending on whether or not you have taken the advance driving training.
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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) | 25 % increase in the initial premium |
4e year (after 3 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) | 12,5 % increase in the initial premium |
4e year (after 3 years without loss involving your liability) | There is no further increase in the initial premium |
The bonus/malus system also applies to young and novice drivers. Thus, increases or decreases linked to the behavior of the insured are combined with the system of the insurance premium surcharge.
Example :
With a reference premium of €500, and for a young person or a novice driver who has no accident, the situation would be as follows, whether or not he has taken the anticipated training:
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Driver who did not take the advanced training
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 | 25% | 0.90 | (€500 * 1.25) * 0.9 = €562.50 |
3e birthday | None | 0.85 | (€500 * 0.85)= €425 |
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 | 12.5% | 0.90 | (€500 * 1.125) * 0.9 = €478.13 |
3e birthday | None | 0.85 | (€500 * 0.85)= €425 |
Not all insurance companies apply the surcharge for novice drivers. Check this element in the conditions before signing the contract.
Please note
a young driver may 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.
General insurance provisions
National Institute of Consumer Affairs (INC)