Servus! Get me into the insurance forum today… 🙂 My summer car (Golf Convertible 7/97) is still registered until March, usually I am on my way in winter with the old convertible (5/94) of my mom. Since the car is making quite a bitch at the moment, my father has provided me with his Golf IV TDI. However, the TDI is so assured that only people over 25 years old are allowed to travel. Problem: I am 21 (and a half). What happens now in an accident? Am I still a versic Do you have to pay penalty? (Do you always hear about the difference of the annual fee or the fine of up to 5,000,- €) Is as I said only a transitional solution until the old car is reasonably ready to drive again. From March on I will be available my own car again, that is insured as well as it should be. Thank you for your help! Greeting Flo