Can I purchase moped insurance in my parents' name?
Those who have the brommer in his name takes care of the moped insurance. The owner is obliged to provide at least the mopederinsurance. For young people the mopederinsurance is more expensive, so it seems attractive to insure in the parents' name. Unfortunately, insurers do not cooperate with this. This is because the insurer also asks about the regular driver of the mopeder. If this is a young person, the insurer still charges a higher premium. Applying for insurance under false pretenses can have consequences in the event of a claim.
Why do young people pay more for the brommerinsurance?
Insurers do this because young people are proportionally more likely to cause claims. Thus, they pose a greater risk to insurers. When insuring motor vehicles, it is customary to make the premium dependent on statistics. In addition, young people often do not have any claim-free years in their names.
Can the insurer deny a payment in the event of a claim by a young driver?
Basically, young drivers are just insured, at least if they are licensed to drive. But there are exceptions. If a young person is the regular driver of the brommer is, you must inform the insurer. When applying for moped insurance the insurer may ask for the date of birth of the young driver who will be using the mopeder. In case an even younger driver causes damage with the moped mopederthe insurer may a claim.
Are the parents allowed to use the brommerinsurance at all?
Yes, it is allowed. In fact, it is customary as long as young people are under 18. Once young people are 18, they are authorized to drive a brommerinsurance and adjust it.
Why do young people need the brommerinsurance in their own names?
For young people, it is important to build up claim-free years. They can benefit greatly from doing so. It is also the most logical choice. After all, if a young person is the regular driver, the premium is matched to the younger driver's age anyway.
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