Clic Assure

Jeunes conducteurs et l'assurance auto

Tuesday, September 20, 2022 Dernière modification le Wednesday, September 21, 2022

Fiston et sa nouvelle voiture !

En pleine discussion, votre voisin vous raconte son nouveau truc afin d’économiser sur l’assurance auto de son fils. La solution miracle selon lui, immatriculer l’automobile au nom du parent, mentionnez que ce dernier est le conducteur principal et ajouter fiston comme conduction occasionnel. Selon lui, il économise des sous et de toute façon il est convaincu que son fils n’aura pas accident, voyons il est prudent !

Un accident est si vite arrivé

En cas de réclamation, votre voisin risque de s’obstiner longtemps avec son assureur lorsque l'expert en sinistre se rendra compte que le jeune était le conducteur principal du véhicule. Les conséquences : celui-ci peut voir le temps du règlement de sinistre augmenter considérablement et n'être payé qu’en partie pour le sinistre. Dans des cas extrêmes, l'assureur peut aller jusqu'à refuser complètement de payer les dommages de l'accident. Imaginer une perte d’une dizaine de milliers de dollars afin d’éviter de payer deux ou trois cents dollars de plus par année. Est-ce que cela vaut le coup ?

Parce que les assureurs ne sont pas fous !

Avant d’accepter de souscrire une police d’assurance, votre assureur vous pose beaucoup de questions afin de mieux cerner le risque. Logiquement, un assureur qui assure deux autos et qui se fait contacter pour ajouter une troisième voiture et un conducteur occasionnel de moins de 25 ans aura un doute. Surtout, si la troisième auto est une Honda Civic de quelques années avec des modifications.

Les avantages pour votre jeune

Bien entendu, la prime d’assurance automobile pour votre jeune va être plus dispendieuse. Cependant, celui-ci sera gagnant au bout de quelques années. Pourquoi ? Plus un jeune est mentionné, conducteur principal, tôt, moins sa prime sera élevée si celui-ci a un beau dossier.  Le meilleur truc, acheter une voiture peu dispendieuse, afin d’assurer celle-ci en responsabilité civile seulement.  Bien entendu, votre jeune ne sera pas couvert pour ses propres dommages, mais pourra sauver énormément sur la prime et faire son expérience de conduite ainsi que d’assurance.

Et puis, lorsqu’on connait l’envers des conseils du voisin, c'est un peu moins attirant n’est-ce pas ? 

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