{"id":12268,"date":"2017-10-17T12:43:13","date_gmt":"2017-10-17T12:43:13","guid":{"rendered":"http:\/\/www.pyramidconsulting.es\/?p=12268"},"modified":"2017-10-23T11:10:17","modified_gmt":"2017-10-23T11:10:17","slug":"conductor-novel-y-el-seguro-del-coche","status":"publish","type":"post","link":"https:\/\/www.pyramidconsulting.es\/it\/noticias\/conductor-novel-y-el-seguro-del-coche\/","title":{"rendered":"Conductor novel y el seguro del coche"},"content":{"rendered":"

Qu\u00e9 seguro conviene a un conductor novel<\/h2>\n

\"Conductor
\nSe considera conductor novel al que hace menos de un a\u00f1o que obtuvo el carnet de conducir. A menudo, adem\u00e1s, son j\u00f3venes. Esos dos elementos juntos pueden hacer que contratar un seguro para el coche se convierta en una odisea.<\/p>\n

Desde que se obtiene el permiso de conducir hasta que pase un a\u00f1o se considerar\u00e1 conductor novel. Y por su falta de experiencia, a la que a menudo podr\u00edamos sumarle juventud (entre 18 y 25 a\u00f1os), contratar un seguro de coche<\/a> suele salir bastante m\u00e1s caro que para un conductor con experiencia.<\/p>\n

Independientemente de la edad del asegurado, si acaba de obtener el carnet ver\u00e1 c\u00f3mo los precios de las distintas aseguradoras var\u00edan notablemente, as\u00ed como las posibles coberturas. Muchas, incluso, rechazan asegurar a un conductor novel<\/a>.<\/p>\n

\u00bfQu\u00e9 opciones tiene un conductor novel?<\/h3>\n

El comparador de seguros Acierto.com ha enumerado las distintas opciones que tiene un conductor novel para estar cubierto ante cualquier imprevisto.<\/p>\n

As\u00ed, el comparador asegura que habr\u00e1 que analizar tanto la parte econ\u00f3mica como la referente a coberturas. Adem\u00e1s, cuando el conductor es menor de 25 a\u00f1os o si tiene el carnet de conducir<\/a> desde hace menos de un a\u00f1o, ambos aspectos fluctuar\u00e1n mucho.<\/p>\n

Por lo tanto, un conductor novel tendr\u00e1 las siguientes opciones:<\/p>\n

– Ser incluido en la p\u00f3liza como conductor habitual.<\/h4>\n

Esta suele ser la opci\u00f3n m\u00e1s recomendada para un conductor novel. Y es que, con esta modalidad, el seguro cubrir\u00e1 cualquier problema que el conductor tenga con el coche. De este modo, el titular estar\u00e1 exento de cualquier responsabilidad civil y penal en caso de accidente, al mismo tiempo que las bonificaciones har\u00e1n que la prima a pagar se reduzca con el tiempo.<\/p>\n

Entre los inconvenientes de este tipo de seguros est\u00e1 el hecho de que, al aparecer el conductor novel como persona que usa el autom\u00f3vil de manera habitual, har\u00e1 que el precio de la p\u00f3liza ascienda considerablemente. Tambi\u00e9n ser\u00eda un problema que muchas compa\u00f1\u00edas de seguros no quieren asegurar a conductores con menos de un a\u00f1o de experiencia y menores de 25 a\u00f1os.<\/p>\n

– Ser incluido en la p\u00f3liza como conductor ocasional.<\/h4>\n

En este caso, el precio es menos que si se asegura al conductor novel como habitual. Y es que ser\u00eda incluido en la p\u00f3liza de un familiar, en calidad de conductor ocasional de veh\u00edculo.<\/p>\n

Entre las pegas, se encuentra el que algunas aseguradoras podr\u00e1n considerarlo, en seg\u00fan qu\u00e9 casos, una acci\u00f3n fraudulenta porque, en muchos casos, el conductor ocasional utiliza el veh\u00edculo con frecuencia.<\/p>\n

Tambi\u00e9n ser\u00eda una pega que el conductor ocasional no adquiere bonificaciones; esta opci\u00f3n s\u00f3lo es recomendable si el menor realmente no es el conductor habitual del veh\u00edculo. Adem\u00e1s, en caso de accidente, cualquier parte perjudicar\u00e1 directamente a la persona incluida como titular de la p\u00f3liza.<\/p>\n

– No aparecer en la p\u00f3liza<\/h4>\n

En estos casos, es otra persona la que aparece como tomador y \u00fanico conductor incluido en el seguro. Es as\u00ed a pesar de que el conductor novel tambi\u00e9n utilice el autom\u00f3vil, aunque sea de forma ocasional.<\/p>\n

Muchas personas recurren a esta opci\u00f3n porque es, evidentemente, la m\u00e1s barata. Sin embargo, el riesgo que se corre eligiendo esta opci\u00f3n es mucho mayor.<\/p>\n

Si esta informaci\u00f3n te ha resultado \u00fatil, te sugerimos que sigas navegando por los siguientes enlaces:<\/p>\n

Dudas de circulaci\u00f3n de los conductores noveles<\/a><\/p>\n

Aprueba el ex\u00e1men del carn\u00e9 de conducir a la primera<\/a><\/p>\n

Las multas de tr\u00e1fico en las que caen los m\u00e1s despistados<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Se considera conductor novel al que hace menos de un a\u00f1o que obtuvo el carnet de conducir. A menudo, adem\u00e1s, son j\u00f3venes. Esos dos elementos juntos pueden hacer que contratar un seguro para el coche se convierta en una odisea.<\/p>\n","protected":false},"author":1,"featured_media":12269,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[2],"tags":[662,209,1919,8615,2279,8614,8616,264,465,464],"class_list":["post-12268","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-asegurar-el-coche","tag-conductor","tag-conductor-nobel","tag-conductor-principiante","tag-conductores-noveles","tag-novato","tag-precio-de-los-seguros","tag-seguro","tag-seguro-de-coche","tag-seguros"],"acf":[],"yoast_head":"\nConductor novel y el seguro del coche - Pyramid Consulting<\/title>\n<meta name=\"description\" content=\"Algunas aseguradoras ni siquieran dan la opci\u00f3n de asegurar a un conductor novel. 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