Young driver insurance: what I need to know to be properly insured

Young driver insurance: what I need to know to be properly insured
If you have successfully passed the driver's license exam, you will be considered a young driver under the law. And you will therefore necessarily have to take out suitable young driver insurance. But this insurance is not only reserved for those and those who have just had the famous pink paper, because you can be considered as a young driver in other cases of figure.

So what is a young driver for an insurance company? What type of young driver insurance can you purchase? What are the essential coverages that include a young driver car insurance? What about the amount of the annual premium?
Young driver auto insurance: what is a young driver for an insurance company?
Do not look for a definition of the term "young driver" in the Highway Code or in the Insurance Code because there is no legal definition of the term itself. However, insurance companies and governments alike still agree on several characteristics that define what a young driver is, and this has a direct impact on their young driver auto insurance.

A young driver is therefore first and foremost a motorist who has held a driving license for less than 3 years.

But that's not all ; a young driver is also one who has never been insured in his own name, as the main or secondary driver of a vehicle.

In addition, a person who has had his driving license canceled because of too many traffic violations and who is obliged to retake it is also considered a young driver, and this regardless of age.

To summarize, young driver insurance is compulsory for everyone:

having had a driving license for less than 3 years
never having been insured in its own name
having to retake the driving license exam following its cancellation
Young driver: you have the obligation to ensure at least a third
If you find yourself in one or the other of these three situations, you are therefore considered a young driver, and must therefore turn to an ad hoc young driver auto insurance contract.

For this, you have the choice between different insurance formulas, but you are, like everyone else, in the obligation to take out at least one third party auto insurance contract.

Third party auto insurance is the preferred insurance for young drivers, in particular because of a particularly accessible annual premium. But also because this insurance formula displays essential cover and guarantees.
The essential covers of a young driver's car insurance: third party insurance as minimum cover, all-risk insurance recommended!
What does third-party young driver auto insurance cover? It is used to take charge of any material and / or bodily damage that a driver may have caused to a third party following an accident.

The advantage of taking out third-party auto insurance is that it displays a mandatory guarantee - civil liability - for a lower premium amount compared to other auto insurance formulas. This is why it is well suited to young drivers, and all the more so when their vehicle is old or has little financial value according to its argus rating.

But be careful, because if a claim occurs, the third party car insurance for young drivers only covers material and / or bodily damage suffered by a third party. Material damage to your own vehicle is therefore not covered and is therefore not covered; which can generate particularly high repair costs.

It is for this reason that if you want more comprehensive protection for you and your vehicle, it is advisable to choose a third party plus auto insurance contract or an all-risk young driver formula. The all-risk formula is the most protective, the one that allows you to ride with peace of mind because it offers full guarantees:

Material damage guarantee: you are insured in the event of an accident caused to a third party or in the event of an accident caused by another person
Driver's guarantee: it covers all bodily injury and also covers medical costs
But auto insurance in all risks formula also allows you to benefit from full coverage thanks to other guarantees:

Theft and vandalism guarantee
Glass breakage guarantee - to cover replacement or repair of the windshield,