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According to the Highway Traffic Act, a young driver is a person who has been licensed for less than 3 years and is subject to specific limitations and obligations. From the point of view of the insurance companies, it is the driving experience of the insured that defines his status; the definition of young driver is therefore broadened to take into account people whose driving history is not sufficient.
You are considered a young driver by your insurer if …
You are a “young license”:
You have just obtained your driver’s license and you are about to take out your first car insurance policy.
You had your license more than 3 years ago, but have never been insured:
You have never had auto insurance in your name, and have never been mentioned as a secondary driver on the insurance contract. a loved one or by your employer.
You have not driven for several years:
If you have not driven or underwritten car insurance for more than 3 years, your statement is empty and the insurer considers that you have no antecedent insurance.
You have undergone a license cancellation
You must retake your license and will be assimilated again to a young driver, possibly with a surcharge for the aggravation of the risk.
Good to know
If you fall under one of these categories, insurers generally apply a premium to your referral premium, to offset the additional risk you represent. For a young driver the extra cost is at most + 100% the first, + 50% the second and + 25% the third (without accident responsible for the entire period).
