Your child as your car driver: Insurance and financial considerations

Lending your car to your child is allowed as soon as they have obtained their driver's license. This means that it's no problem if your child drives your car from time to time. However, if your child drives your car regularly, it is wise to report this to your insurer.

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Is my car insured when my child drives it?

Good to know is that your car is simply insured, even when your son or daughter is behind the wheel. Lending your car every now and then is therefore no problem. However, it is important to mention that an additional deductible often applies if your son or daughter is under 24 and damage occurs.

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Do I have to pay extra if my child drives my car frequently?

If your child uses your car regularly, you should report this to your insurer. This can lead to an increase in the premium, mainly due to the absence of accrued claim-free years. A premium increase sometimes also applies to young directors. If you want to know exactly what this means for you, please contact us. We'd love to tell you more.

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What is the risk of lending my car to my children?

Lending your car to your children always involves a certain amount of risk. In addition to the increased deductible, there is also the risk of losing your own accrued damage-free years if the insurance is claimed. If you lend your car to your child more than twice a week, it is important to inform your insurer.

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Your child as a regular driver? Pass it on

Ultimately, it's cheaper for your child to start building damage-free years early. This is because the discount on the premium is increasing rapidly. So make sure you provide the correct information and we will take care of the rest for you.

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