Car Insurance - Discounts for new drivers the EU

Car Insurance - Discounts for new drivers the EU  

"Accompanied driving" pays off

By Horst Peter Winding

Many insurers offer discounts novice high, if their parents already insured there sindDas model "Accompanied driving from 17" has proven itself. And reward the insurance, the lowest number of accidents with heavy discounts. There are some tricks to reduce the insurance premiums for new drivers.

From January 2011 "will Accompanied driving from 17" (BF17) was added firmly in the German Law. Then everyone has the right drivers, with 17 driving test and store up to the age of 18 Age accompanied by an adult to gain driving experience. In view of significantly lower accident rates auto insurers offer discounts to graduates of the BF17 to 50 percent.

In general, drivers should expect the car insurance with the highest premiums. According to consumer advocates is to start from a surcharge of up to 230 percent. This is due to the accident, under which are 18 - to 25-year-old motorist main causes of serious accidents. According to the ADAC they were last year responsible for about 30 percent of fatal accidents.

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Many insurers offer discounts novice high, if their parents are already covered there. So the sons and daughters of insured in insurance can ask for a family discount. Some insurers rate the driving novices at 140 percent if the rest of the family already has a policy there.

As an affordable insurance option for novice drivers recommends that the federal government of the insured (BdV), to insure the car as a second car of the parents. If both insured explain in writing after a few years ago that son / daughter of the second car have driven, the drivers, the damage-years of service.

How BF17

The application for accompanied driving (BF17) can be submitted to the competent authority to drive at 16 1 / 2 years. This is an additional fee, inter alia for the review of the accompanying person on their driving. Several associates must alternate.

Accompanying persons must be at least 30 years old, have at least five years a valid license in categories B and BE, and have no more than three points on their driving.

Accompanying persons may not engage in the traffic, it may not only control the drivers and support with instructions and tips. Accompanying persons may not drive during the more than 0.5 per mille alcohol in their blood.

The "normal" driving school is the same as before, but a year early.

The theory test for driving licenses can be three months before the 17th Age done, the practical test within one month prior to the 17th Year of life.

By the age of 17 Year of life to be issued a temporary certificate examination that young drivers may then only drive with a companion. The right to drive is only valid in Germany. Violations of these rules necessarily lead to the revocation of the license and to pay a fine.

The unlimited license and the EU driving license card drivers then get to the age of 18 Year of life.

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Ct Car Insurance So avoid high premiums drivers

Ct Car Insurance So avoid high premiums drivers

The first car can be expensive, because drivers have to pay extremely high insurance premiums. With a few, quite legal gimmicks can limit the contribution, however

Premiums for motor insurance for many novice road more expensive than the purchase of a car. But the insurance can cost several thousand euros a year. Especially affected are young men, because this group causes a lot of accidents above average. Insurance companies calculate risk premiums of up to 230 percent of the normal contribution rate. In order to enter the road will remain affordable, drivers can take advantage of some savings.

forgo insurance: novice drivers start their street career often with one used car. That makes sense, but there is a lack of driving experience. Advantage: Older cars may not need comprehensive cover, for on a scratch more or less, it is not often.

Low type class: Select when the determination of the premium type class plays an important role. The higher the type class, the higher the contribution. Beginners should therefore use the lowest possible vehicle type class. Which vehicle is classified as it is, in the type class directory.

Parents use Bonus: It is advantageous to insure the car in the same society, in which the parents are insured. Many insurance companies halved then the basic contribution.

Sign up as a second car: drivers can save by logging on parents car as a second car. But beware: It will be less significantly lower premium rates to pay for it in the street but no newcomer acquires its own damage-insurance years. Will he later change to another company, it is again expensive.

half-year scheme to exploit a specific purpose: How quickly decreases the premium rate depends on the insurance. Start the Police in the first half, the contribution rate falls from the already low level of next calendar year. If you are insured against in the second half, which must make do in most cases, even the following year with the same high-claims discount.

Discount for their own or: Almost all companies give discounts if only the policy holder is driving the car. a second person is specified in the contract, as the sister or the parents, increasing the premium.

Discount Transmission: first-degree relatives for example parents or grandparents who may own no-claims discounts applied to the children. But beware: the generous donors in return lose the discount. However, this may well make sense to go about when grandma or grandpa is no longer able or willing to drive. Important: The no-claims discount can not be split, also just as many years to be recognized as the Fahrneuling in possession of driving license. That means: If only one year has elapsed since the driving test and given the grandpa 25 years no-claims to the grandchildren will be lost 24 years!

Special Discounts: In addition to the generally applicable discounts, some insurers offer special discounts. Sometimes there are 5 to 15 percent discount if the newcomer still has no points in Flensburg, where the accompanying drive was completed with parents or if beginners have completed a special safety training. Other insurance companies provide discounts if they possess a rail card or an annual pass for public transport. In any case, is: Always ask about special discounts!

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