Who can use their own car

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The family car is usually insured for more than one person – usually the parents. But when the children also get their driver’s license, the question arises: how far does the insurance coverage of the car actually extend?? The answer is here.

If you have a car and want to let others drive it, you should take care of the appropriate insurance coverage. Especially if it is his own partner or even his child. There are several ways to do this.

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As a policyholder, you can either include certain persons in the insurance policy on a fixed basis. Or: one registers that a larger group of drivers may use the car – for example "all persons over 23 years of age".

As a rule, the more people who are registered as drivers of a car, the more expensive the car insurance will be. If any number of drivers are allowed to use the car, the average price of car insurance increases by 118 percent compared to a single driver, according to the comparison portal check24.

Tip for families:

"especially when novice drivers are included in their parents’ motor insurance, it pays to compare providers," says tobias stuber, managing director of motor insurance at check24. "the surcharges for young drivers vary significantly from one insurance company to another."

What happens in case of a claim

If a driver causes an accident that is not registered in the motor vehicle insurance, the legally required liability insurance takes effect. Nevertheless, it can be expensive because the policyholder made false statements.

In this case, the car insurance company recalculates the premium for the insurance year in question and asks for the difference. Depending on the insurer, additional contractual penalties may be due, for example in the amount of an annual premium. The insurance company can also take recourse against the unauthorized driver – in the case of gross negligence or intent, also in the full amount of the damage.

"some insurance companies also insure an additional driver for a few days free of charge or for a small fee," says stuber. "if a friend is to take the wheel when you go on vacation, it’s worth checking with your car insurance company."

What happens in an emergency?

If, for example, the driver has circulation problems on the freeway, he can let his passenger drive the car home. Impaired driving due to alcohol does not count, however. in such a case the car must remain standing.

Author

Juliana demski

Juliana demski is junior editor and social media manager at pfefferminzia since 2021. She has been a member of the pfefferminzia team since 2016.

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