There are many young people who decide to remove license freshly turned 18. Once the permission it is up to buy a car or you stop one to enjoy the road. However, the story does not end there, before you do have to take out car insurance either that you include in the policy that you are going to use if you already have one hired. The search for a safe for one person under the age of 25 at good price can be a complicated task, however, it is a binding legal requirement to be able to circulate throughout the Spanish territory.
The obligation to take out car insurance
Whatever the age you have you need to hire, as a minimum, the insurance. A duty that have all vehicles "suitable for circular by the area of land and driven motor", according to the rules of the compulsory insurance of Civil responsibility in the circulation of motor vehicles.
Not having this policy can cause you a considerable fine in addition to the immobilization of the vehicle, so that you do not play it and hire him before you get behind the wheel. Compulsory Civil liability insurance plans are often called "compulsory insurance", S.O.A., or "third party insurance".
What does the third party insurance cover exactly?
Compulsory insurance covers only the damage causing a vehicle to a third party when the driver is included in the policy. I.e., that if you are guilty of an accident where there have been material or personal damage and your insurance is only the mandatory, the insurer shall be responsible for the costs arising from damage caused to others but does not own any. And when driver is included in the policy.
Are they forced to make sure insurance companies?
As we have seen, you must hire a car insurance to able to circulate, however, insurers have no obligation to be sure. Companies can hinder you since being under 25 years of age the risk that if you hire a policy with them is greater. Your short experience and age, either the specific vehicle you want to make (if you buy one with much displacement) can be an impediment for "open you their doors" as being a new customer. So much so that while some if they provide for the possibility that aged 18 can be insurance policyholder, others require a minimum age of 21 or even 25 years.
In the most extreme case it is possible that no company wants to make sure you, and since you need an insurance policy for circular, you will need to opt for other routes.
No one says you? He attends the Consorcio de Compensación de Seguros
There is a public entity, called Consorcio de Compensación de Seguros, which is in charge of welcome to all those who are not admitted in any private insurer. Now, so the Consortium you cover you must well, prove that you have requested at least 2 entities ensure that you, and that you have been rejected by both. This "emergency" insurance is regulated by article 5 of the regulations of the compulsory Civil liability insurance in the circulation of motor vehicles, which reads that the body "encourage the hiring from the risk when they've not been accepted, or have been rejected 2 claims compulsory insurance by 2 insurance entities, except that the risk was accepted by one or more other insurance companies.
The Consortium does not the same coverage than a private insurer, since it only provides you with insurance compulsory minimum essential coverage. So if you steal the vehicle, the moons are broken, you lose the points driving license or you were to be damaged in an accident with the car, among other things, not be hold responsible.
Expensive prices for young people
The reason that companies even more expensive prices for car insurance for young people and new is that you are part of a group with the highest rate of accidents. The insurance premium is set depending on the profile of the driver and the car. So, if you're under 25 years of age get a higher price than if it were greater. It is possible that your driving school teacher told you that you conducías very well, but we must recognize that it is more likely to have an accident to a person that takes years to take him driving. With this driving "experience is often a degree", and the young, along with those who have no experience, have a higher rate of accidents not only due to the lack of practice, but also by the recklessness that is associated with the early years in which a person gets behind the wheel.
Factors that make more expensive car insurance
Insurers set premiums according to several factors, but 2 turn out fundamental and refer to the driver:
Age
Seniority of their driving licence
Statistics indicate the young age and lack of seniority to pose a high risk of an accident, which will cause or well you cost more than normal hire car insurance or that you do not accept in its customer base.
According to a study by Foundation Mutua Madrileña accident trends and severity of injuries caused in traffic accidents who are between 18 and 25 years, occur every year 320,000 accidents caused by them. In recent years the number of accidents caused by people that strip has decreased, although for now, insurers do not reflect it in their prices.
In addition, are proportionally more males that produce accidents than women, however seas sex you are there will be no difference in the premium you will have to pay, because there is a law of the European Court of Justice which prohibits such distinction since December, 2012. So insurers no longer used the sex criteria in the calculation of the price of premiums, and can only do so in the event that the actuarial and statistical data indicate that it is an important factor in assessing the risk of the driver.
Lack of perception of risk
The insurance companies follow a premise in the fixing of premiums: the younger you are more likely to exist that origins an accident. As you increase of age, claims ratios decline because your perception of risk, in general, is greater. If you embrace reckless behavior and have an excess of confidence you minarás your ability to respond to unexpected situations of circulation, but if you show to your insurer that you are a good driver you might get a better price at the time of renewing it, although in the first contract you get a very high price.
Car insurance for inexperienced drivers
Insurers that sell this type of policy not only offer high prices to 26-year-old children, but also to newbies. I.e., those drivers with less than 2 years of driving regardless of age, also suffer the increase in your car insurance. So there is a logical relationship, those who have seniority as drivers pay less than novices. And if 2 things together the conclusion is simple: If you're young and novel will be more difficult to find a safe, and to get it the price is remarkably high.
Pony or herd of horses?
Car Insurance For Young People Driver | Auto Insurance Quote | Part II
The obligation to take out car insurance
Whatever the age you have you need to hire, as a minimum, the insurance. A duty that have all vehicles "suitable for circular by the area of land and driven motor", according to the rules of the compulsory insurance of Civil responsibility in the circulation of motor vehicles.
Not having this policy can cause you a considerable fine in addition to the immobilization of the vehicle, so that you do not play it and hire him before you get behind the wheel. Compulsory Civil liability insurance plans are often called "compulsory insurance", S.O.A., or "third party insurance".
What does the third party insurance cover exactly?
Compulsory insurance covers only the damage causing a vehicle to a third party when the driver is included in the policy. I.e., that if you are guilty of an accident where there have been material or personal damage and your insurance is only the mandatory, the insurer shall be responsible for the costs arising from damage caused to others but does not own any. And when driver is included in the policy.
Are they forced to make sure insurance companies?
As we have seen, you must hire a car insurance to able to circulate, however, insurers have no obligation to be sure. Companies can hinder you since being under 25 years of age the risk that if you hire a policy with them is greater. Your short experience and age, either the specific vehicle you want to make (if you buy one with much displacement) can be an impediment for "open you their doors" as being a new customer. So much so that while some if they provide for the possibility that aged 18 can be insurance policyholder, others require a minimum age of 21 or even 25 years.
In the most extreme case it is possible that no company wants to make sure you, and since you need an insurance policy for circular, you will need to opt for other routes.
No one says you? He attends the Consorcio de Compensación de Seguros
There is a public entity, called Consorcio de Compensación de Seguros, which is in charge of welcome to all those who are not admitted in any private insurer. Now, so the Consortium you cover you must well, prove that you have requested at least 2 entities ensure that you, and that you have been rejected by both. This "emergency" insurance is regulated by article 5 of the regulations of the compulsory Civil liability insurance in the circulation of motor vehicles, which reads that the body "encourage the hiring from the risk when they've not been accepted, or have been rejected 2 claims compulsory insurance by 2 insurance entities, except that the risk was accepted by one or more other insurance companies.
The Consortium does not the same coverage than a private insurer, since it only provides you with insurance compulsory minimum essential coverage. So if you steal the vehicle, the moons are broken, you lose the points driving license or you were to be damaged in an accident with the car, among other things, not be hold responsible.
Expensive prices for young people
The reason that companies even more expensive prices for car insurance for young people and new is that you are part of a group with the highest rate of accidents. The insurance premium is set depending on the profile of the driver and the car. So, if you're under 25 years of age get a higher price than if it were greater. It is possible that your driving school teacher told you that you conducías very well, but we must recognize that it is more likely to have an accident to a person that takes years to take him driving. With this driving "experience is often a degree", and the young, along with those who have no experience, have a higher rate of accidents not only due to the lack of practice, but also by the recklessness that is associated with the early years in which a person gets behind the wheel.
Factors that make more expensive car insurance
Insurers set premiums according to several factors, but 2 turn out fundamental and refer to the driver:
Age
Seniority of their driving licence
Statistics indicate the young age and lack of seniority to pose a high risk of an accident, which will cause or well you cost more than normal hire car insurance or that you do not accept in its customer base.
According to a study by Foundation Mutua Madrileña accident trends and severity of injuries caused in traffic accidents who are between 18 and 25 years, occur every year 320,000 accidents caused by them. In recent years the number of accidents caused by people that strip has decreased, although for now, insurers do not reflect it in their prices.
In addition, are proportionally more males that produce accidents than women, however seas sex you are there will be no difference in the premium you will have to pay, because there is a law of the European Court of Justice which prohibits such distinction since December, 2012. So insurers no longer used the sex criteria in the calculation of the price of premiums, and can only do so in the event that the actuarial and statistical data indicate that it is an important factor in assessing the risk of the driver.
Lack of perception of risk
The insurance companies follow a premise in the fixing of premiums: the younger you are more likely to exist that origins an accident. As you increase of age, claims ratios decline because your perception of risk, in general, is greater. If you embrace reckless behavior and have an excess of confidence you minarás your ability to respond to unexpected situations of circulation, but if you show to your insurer that you are a good driver you might get a better price at the time of renewing it, although in the first contract you get a very high price.
Car insurance for inexperienced drivers
Insurers that sell this type of policy not only offer high prices to 26-year-old children, but also to newbies. I.e., those drivers with less than 2 years of driving regardless of age, also suffer the increase in your car insurance. So there is a logical relationship, those who have seniority as drivers pay less than novices. And if 2 things together the conclusion is simple: If you're young and novel will be more difficult to find a safe, and to get it the price is remarkably high.
Pony or herd of horses?
Car Insurance For Young People Driver | Auto Insurance Quote | Part II
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