Moin all together, my father would theoretically be SFK 29 at the ERGO Direkt. However, he has given his percent to my sister. For his current car he pays as if he were still in SFK29 (if I understood correctly, his current car is registered as a second car). In his email contract, my father stated that he does not let people under 25 drive. Now, however, I would like to drive the car from my father, and wanted to be a driver. According to Ergo Direkt, however, he would then have to make figures as if he were in SFK 3. I am 18, and accordingly starter. Is there any way to avoid this increase in costs in whole or in part?