Will your daughter or son soon get a driver's license? What you need to know about compulsory insurance
When a new driver appears in the family, one of the most common questions is whether he will be able to drive his parents’ car and how much it will cost. We will discuss this topic based on questions that are often asked by visitors to the Man ramu insurance platform.
Where to start? Check your existing MTPL insurance contract
All insurance companies have the right to determine the group of permitted vehicle operators. It usually defines:
- the age of the youngest possible driver,
- minimum driving experience.
This information can always be found:
- In the MTPL insurance contract,
- in the insurance policy.
While only the parents are driving the car, the insurer assesses the risk based on their age (usually over 32 years old) and long-term driving experience (10+ years). Therefore, the price of the policy is calculated based on the risk level of an adult, experienced driver.
The situation changes when a young driver starts using the car.
What are the consequences if a car is driven by an unauthorized young or inexperienced driver?
The permitted group of drivers is not determined formally – it is directly related to the risk assessment and the price of the policy. Therefore, if at the time of a traffic accident the car is driven by a person who does not meet the conditions specified in the insurance policy, the insurer has the right to:
- to pay damages to the victim, but
- later file a regressive claim against the vehicle’s operator or owner.
Even a minor incident in such a situation can turn into significant financial consequences. Therefore, giving a car for a “test drive” without checking the policy is risky.
When is it necessary to "rewrite" an insurance contract?
If a son or daughter intends to drive the car, the insurance policy must specify the permitted group of drivers, which includes:
- the age of the young driver,
- his/her current (or not yet current) driving experience.
Young and inexperienced drivers are classified as a higher risk group, so the cost of insurance naturally increases.
How much will insurance cost if a young driver drives?
It is very easy to find out the preliminary price on the Man Ramu insurance platform – just enter:
- the age of the youngest planned driver,
- his driving experience.
It is important to emphasize: prices for young drivers can vary several times between different insurers, so it is necessary to compare all offers.
How does the contract "rewrite" work?
Most often, this usually means:
- termination of the old contract (the insurer may apply a termination fee),
- the conclusion of a new contract with a wider group of managers.
If a new contract is concluded with the same company, the unused portion of the old policy premium is often credited as part of the new policy premium.
When should you start?
It is worth organizing the documents in advance – even before the young person obtains their rights or prepares for the exam. This way you will have time to:
- compare prices,
- choose an insurer,
- to make changes to the contract in an orderly manner.
A quick way to find out the real price
Simply visit the Man Ramu insurance platform and enter new parameters – the system will automatically calculate prices from all insurers. This is the fastest way to estimate how much insurance will cost if your son or daughter will be using the car.
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