Car insurance for new drivers: how does it work?

Car insurance for young drivers may be more expensive than the RC car for experienced drivers. But it is still possible to save.

There are specific rules for car insurance for new drivers, let’s see what they are and how they can affect the cost of the capital car liability policy.

Car insurance for new drivers: who are the new drivers and legal limits

A person who has had a driving license for less than 3 years is considered a new driver. Therefore, age is not relevant data, since it is possible to obtain a driving license at any age once the theoretical and practical exams and the medical examination have been passed.

New drivers in driving a vehicle must comply with certain legal limits dedicated to them:

  • driving ban after drinking alcohol (BAC fixed at 0.0 g / l);
  • prohibition to exceed 100 km / h on motorways and 90 km / h on state roads;
  • prohibition of driving vehicles with a weight-to-power ratio greater than 55 kW / ton.

These limitations are very stringent compared to those imposed on an experienced motorist, and inevitably affect the cost of car insurance.

The cost of the capital  car liability insurance policy for new drivers can be negatively affected by three factors in particular:

  • the inexperience driving of those who have had a driving license for less than 3 years;
  • the young age if you take your driving license right away since statistically young people under the age of 25 cause more accidents than more mature subjects;
  • if the novice driver is also newly insured, his starting merit class will be number 14 out of a total of 18, therefore among the most expensive.

Save on novice car insurance

However, there are insurance formulas that allow novice drivers to save on the cost of insurance.

If the new driver is a member of a family unit, the vehicle he usually drives can be registered in the name of an experienced family member who can benefit from a lower merit class. After that, the same policy can be supplemented with the free driving clause which also protects other drivers and not just the insured.

Alternatively, the vehicle can be registered in the name of the novice driver but using the Bersani Law, which allows you to use the same class of merit attributed to a cohabiting family member, as long as the policy concerns the same category of vehicle and it is a newly purchased car.

From February 2020 there is also the family car liability option that broadens the range of action of the Bersani Law, allowing the use of the most favorable class of merit present among cohabiting family members, for all vehicles both in the insurance phase of a new vehicle is for renewal.

Finally, there are insurance policies dedicated to new drivers, if it is not possible to apply family car liability, which in some way reward the virtuous behavior of these drivers in their first experiences.

Proposals for car insurance for new drivers

The Union of Insurance Agents, SNA, presented ANIA and IVASS with a proposal that could lead to a reduction in insurance rates for novice drivers, but also for those who find themselves with the merit class n. 18.

Claudio Demozzi, president of SNA, explains:

The average annual collection of TPL premiums amounts to 13 billion euros. We think that in 2020, as a result of the reduction in claims caused by the lockdowns for the Covid Pandemic, the companies have saved 1.5 billion on compensation compared to the estimated budgets. That money could go to set up a fund managed by a public entity to mitigate excessively high premiums. There would be a return in terms of new policies, which would feed the market, but also in terms of reduction of claims with uninsured means.

In essence, it would be a question of creating a fund with the savings that insurance companies obtained in 2020 following the collapse in the number of road accidents. Collapse is clearly due to a drastic reduction in car traffic due to restrictive regulations to combat the Covid-19 pandemic.

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