As part of the Policy TPL, one of the parameters used by insurance companies, for assessing risk and determining the premium payable is the "driving style".
In fact, the choice of "driving style", made by the contractor's insurance, determines an increase and / or a decrease in the premium payable.
Let us see some formulas to customize the "driving style", used by insurance companies, for TPL insurance of motor vehicles for private use or promiscuous:
Free Driving:
At the wheel of the car driver is enabled any, with an individual owner of the vehicle;
Expert guide:
Driving the car is normally enabled any driver who has an age not less than twenty-six years old and obtained a license suitable for more than three years, again with individual vehicle owner;
Exclusive guide:
Driving the vehicle is enabled only one driver identified in the figure of the owner with an age not less than twenty-six years, here with the owner of the vehicle must be a natural person.
Help Company:
At the wheel of the vehicle driver is enabled any, while the vehicle owner must be a legal person.
Ask your insurer to assess together the convenience, based on personal characteristics of the family vehicle drivers.
Alex Gaetani