Our children and second conductors

Recall:
the policyholder is the person who hires, ie figure whose name the policy and pays the insurance premium car.The insured is the person who protects, the insured person would have an accident. It may be the same person who signs and pays the policy or not.And the beneficiary is one who would receive compensation in the event of the occurrence of the incident. In most cases, insured and beneficiary are the same person, however, where insurance covers death of the insured, the beneficiary of compensation is another person who is chosen by the borrower to sign the policy.Well, it is advisable that policy in providing information of all drivers, both routinely and occasionally, to drive the vehicle. If insurance company only includes data from a driver record is better than less experienced driver (the minor's age and driving license) to avoid problems in case you need to claim compensation for an accident.Insurers will cover the backs
As companies often distrust the occasional driver figure, we apply a surcharge that may be less than if the child is declared regular driver, but in any case the mark will be important (between 30 and 50 percent of the premium without bonus).I
n addition, in the event that the driver "casual" have a claim (of any type, such as broken windows), you may be expected to apply a franchise that may require us to pay between 200 and 500 euros, according to the company .
Sometimes, we can change the data raise asks insurance for young and novice drivers, as insurers either charge an exorbitant amount, or not say.First, as parents, if we try to cover the situation of a child aged 25 or putting novice driver as regular driver and car insurance policyholder, we know that if the company finds that the car is in the name of the child (as I will ask for documentation), we may reject the car insurance policy, because the risk is too obvious.
If the insurer accepts the policy, in case of accident could not receive any compensation as car insurance policyholder, we will have to bear all the expenses, and claims that servicers can claim bad faith on part, because probably the person having the accident with the car is not really the policy, but the son is not stated in the policy as the main driver.
In the best case, what can happen is that you never give one party and not have to resort to the insurance company, but, clearly, we advise you to pay a premium annually to an insurer that will give us trouble cover us when we need it, it is better to pay a little more and be well secured. Moreover, in any case, son will not gain seniority as insured. The sooner he faces the reality of insurance before they earn the right to lower premiums over the years.
We also recommend purchasing a vehicle other than sport or over 100HP, and that the premium will go up considerably.

For these cases, or the like as to put women as usual conductive since insurance is cheaper, or placing another person having more years of license or bonus, two things can happen, in case of accident, depending on the gravity:+ We do not cover anything for acting in bad faith,+ We deducted from the compensation the difference in the resulting premium if we press the right data to the main driver for insurance, ie, with adequate risk reality.