The 10th grade is a newcomer

Car insurance for novice drivers usually means a high cost. We explain to you how much you have to pay as a novice driver and which 5 tips you can use to save costs on your first car insurance.

Of all policyholders, novice drivers pay the highest premiums for their first car. With our five tips you can save costs on car insurance. We clarify all questions about it:

  • Who is a novice driver?
  • What is the cost of car insurance for novice drivers?
  • How can novice drivers save on car insurance?
 

Who is a novice driver?

According to the Road Traffic Act, a novice driver is anyone who first time permission to drive a car (Class B driving license). If you have obtained a driver's license and passed it successfully, you are valid for the Period of two years as a novice driver. The first two years with a driver's license are also the probationary period.

It's different with insurance: Young drivers between 18 and 24 years of age from the perspective of insurance companies as a novice driver pose a higher risk. Because, according to the Federal Statistical Office, most road accidents are caused by drivers of this age. Because they still have little driving experience, insurance companies place them at a higher risk of accidents.

Some insurance companies require young drivers up to 25 because of their age Pay risk premiums. You close your Vehicle contract with AllianzDirect off, you will from the age of 23 years no longer classified as a young driver. If your car insurance is through another insurance company, you should inquire about the terms of your contract there.

What is the cost of car insurance for novice drivers?

For the Amount of car insurance two points are important:

  • The driver's experience
  • The likelihood that the driver will cause an accident
Each individual driver is classified in a so-called damage-free class (SF class). The principle is simple: novice drivers usually start with SF class 0 and then move up one level with each accident-free year. The highest and cheapest class is usually SF class 35. Some insurers also go up to SF50. Exceptions are three special classes:
  • Special class ½: The SF class is open to novice drivers who already have several years of driving experience or who used accompanied driving at the age of 17. But you are only now taking out your first car insurance. The contribution is lower than in SF class 0.
  • Special classes S and M: Novice drivers are downgraded to the classes if they suffer damage or accidents in the first few years of insurance. You have to pay the highest insurance premiums.
The amount of the insurance premium depends on the risk of damage to the driver. This is especially high for young drivers. Because as a novice driver you are still inexperienced in road traffic and can often assess situations worse than after a few years of driving experience. Statistically speaking, there are also more young drivers who are drunk when driving their cars. This increases the risk of damage from the insurance company's point of view.
If you want to insure your first own car, you will be covered by most insurers No claims class 0 (Contribution rate 100%). Novice drivers still pay a comparatively high amount for car insurance. You often have to up to 1,000 euros per year spend on car insurance.
It usually takes several years without an accident before novice drivers can move up to one of the inexpensive SF classes.

How can novice drivers save on car insurance?

As a novice driver, you have various options to save money on insuring your first car. Here we introduce you the best savings tips for novice drivers:

Savings tip 1: insure your car as a second car for your parents

In order to save costs on car insurance as a novice driver, you can team up with your parents and use the second car regulation.
A novice driver can, for example, insure his car with the so-called parental scheme. The prerequisite for this is that his parents have already insured a vehicle. In this case, the insurance company usually classifies the car directly in SF class ½.

Savings tip 2: Transfer no-claims bonuses

As a novice driver, you can also take advantage of the no-claims bonus from another family member take. Because the SF-Class is never tied to a car, but always to a person. So a relative's SF class can be transferred to you. For this to work, you have to certain requirements be fulfilled.
The discount transfer is only for them Motor vehicle liability and for the fully comprehensive insurance possible, but not for partial comprehensive insurance because there are no discounts here.

The Transfer of the no-claims bonuss is fundamental possible between

  • Parents and their children.
  • Grandparents and their grandchildren if they live in the same household.
  • Siblings if they live in the same household.
  • Parents-in-law and children-in-law.

The claims-free years can in principle from both parents be taken over.

The condition: No-claims classes can only be accepted for the duration that the novice driver already has his driver's license. So if you have had your driver's license for a year, you can only get into SF class 1, even if the father is already in SF class 20. The remaining SF classes expire. Transferring the no-claims classes is therefore particularly worthwhile for young drivers who only want to buy their first car after having had a driving license for a few years.

For grandparents and their grandchildren and also for siblings there is another requirement that both in a common household have to live. Some insurance companies also require the novice driver to have driven the relative's car many times before the SF classes are transferred.

Important: Regardless of which family member transfers their no-claims bonuses, they lose their previous entitlement to the no-claims class. Theoretically, it is also possible to transfer the discounts back, but both parties have to sign again.

Savings tip 3: Get a “driver's license at 17”

Young Germans have been able to do this since 2008 with 17 yearsthe driver's license do. Up to their 18th birthday, they can then drive in the company of a registered companion. The official name for it is "accompanied driving".

Requirement for this: The accompanying person must be at least 30 years old, have had a driver's license for a car for at least five years and must not have collected a point in Flensburg.

The scheme was introduced to the to reduce the high accident rate among novice drivers. Statistics show that this also works: new drivers who have accompanied driving cause an average of 28.5 percent fewer accidents than other novice drivers.

For this reason, some insurance companies offer novice drivers who have used accompanied driving, a discount on the first car insurance. It is therefore worth taking the driver's license test at a young age!

But that only makes sense if people who got their driver's license at 17 first register buy a car for your 18th birthday. In Germany, minors can also sign a sales contract for the car if their parents or legal representatives agree. A 17-year-old can also buy a car (even if he does not have a valid driver's license). But only those who can prove driving experience with accompanied driving will receive a discount from the insurance. At 17 and a new driver's license or no driver's license at all, he would be treated like a novice driver and placed in SF class 0.

Another tip: The transfer of the no-claims discounts is also more worthwhile if you have already gained initial driving experience through accompanied driving.

Saving tip 4: Buy a vehicle with a lower type class

How expensive the car insurance premium depends on the type of vehicle. This also applies to novice drivers. Because every car is in of a certain type class assigned.

The higher the type class is, the higher the risk of damage and the higher the insurance premium for the car.

The type class of a car depends on many different factors: for example, how many damage and accidents were made with the car model in a year. You can also check the type classes of the individual vehicles yourself, for example on the website of the German Insurance Association (GDV).

As a novice driver, you should do your best before the purchase Inform about the type class of your dream vehicle. Your best bet is to choose a car that not a typical novice driver's car is. The cars usually have a higher risk of damage and are of a higher type class. If you buy a car with a cheaper type class, you will save money every month.

Savings tip 5: drive less, pay less

If you are a novice driver who drives more right from the start, you get more driving experience. Frequent drivers are from the insurance companies though as higher risk classified. Because: the more you drive, the higher the probability that you will have an accident. For the reason are Insurance premiums higher for frequent drivers than for people who travel less by car.

How does the insurance check this? It works like this: When you apply for insurance, you have to state, among other things, how many kilometers you will drive per year. If you end up driving more than you expected, you will have to report this to your insurance company later. Your insurance premium will then be recalculated.

So it can be for novice drivers makes sense his, you Leaving the car standing still more often. Who drives less, pays less contribution. This will save you money!

Attention: You should definitely not cheat on the information. If the insurance company finds out, you will have to pay more for everything. Anyone who deliberately lied must expect an additional penalty.

More tips

Not just for novice drivers: in our guides, we'll tell you how you are in the cost of maintaining your car and at your Can save on car insurance

Compare the performances directly

Now you know the best tips and tricks with which you as a novice driver can get cheap car insurance. If you want to use them in practice right away, you should compare the offers of different car insurance policies for novice drivers in good time.

You can only find the right offer for you if you find out about the latest services. Use our calculator to compare prices immediately and calculate your car insurance right away.

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