Which car insurance policy is the best for new driver or probationary driving licence holder?
哪份汽車保險最適合新手車主／P牌車主？
Car insurance premiums are affected by the policyholder's age and driving experience. For example, younger car owners usually pay higher premiums for the same model. The main reason is that the probationary driving licence holder does not have enough driving experience, and there is no no-claim discount so that the premium would be higher. The probationary driving licence holder should also pay attention to the deductible amount of the car insurance (commonly known as deductible), which refers to the amount that the insured needs to pay for each insurance claim. Generally, drivers under the age of 25 or drivers with less than 2 years of driving experience are required to pay an additional deductible when claiming. If you are a new car owner, it is recommended to purchase comprehensive car insurance for comprehensive coverage.
車保保費受車主／保單持有人的年齡以及駕駛經驗影響，例如：同一款車型號，較年輕的車主通常保費會比較高。主要原因是P牌車主沒有足夠的駕駛經驗及未有無索償折扣，所以保費會較高。而P牌車主亦需留意汽車保險的自負額 (俗稱：墊底費)，是指受保人就每筆保險索償時，需要自行負擔的金額。一般未滿25歲或駕駛經驗不足2年的司機，於索償時亦須支付額外的自負額。如果是新手車主，建議購買綜合汽車保險，以得到全面保障。