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What is a malus registration?

You get a malus registration if you have negative claim-free years on your car insurance. You have less than 0 claim-free years. Building up claim-free years gives you a discount on your car insurance. This is also called the no-claim discount. To determine the no-claim discount insurers use a bonus malus ladder. The more claim-free years you have, the higher the discount. Every year that you do not claim any damage from the insurer, you climb one step on the ladder. If you do make a claim, you fall on the bonus malus ladder. With each insurer you fall back 5 claim-free years for each claimed claim. This reduction is the same for each insurer. However, the discount or surcharge can differ.

If you claim more than one claim and thus fall on the bonus malus ladder, you do not receive a discount but pay a surcharge on the premium. This is called malus. This is the case, for example, when you claim more than one claim per insurance year.

What is malus registration auto insurance?

Negative claim-free years make car insurance more expensive. Taking out a car insurance policy can cause problems and you should also be careful when switching to another car insurance policy. Claim-free years are linked to your car insurance. Cancelling your car insurance does not get rid of your negative claim-free years. Claim-free years are noted in a central database for insurers, called Roy-Data. With a malus registration you cannot go to all insurers. To compare car insurances you can use the website If you cannot go to a regular insurance company, De Vereende offers a solution. This is a company that is willing to insure special risks, where regular companies fail to do so. De Vereende accepts your car insurance, but the premium is higher than with a regular company. Click here if you want to know what to do with negative claim-free years in your name.

malus registration

Malus registration expired

As a rule, negative claim-free years remain for three years. The claim-free years must not have been used during the entire period. The same applies to positive claim-free years. When they are not linked to a car insurance, they usually expire after three years.

In order to cancel your malus registration and build up your claim-free years again, it is necessary to drive without claims. Unfortunately, this does not happen quickly. In case of damage you lose 5 claim-free years in one go. You then have to drive 5 years damage-free to make up for one claim.

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Can I transfer with a malus registration?

If you have negative claim-free years, or a malus registration, it is generally not wise to switch to another car insurance policy. It is best to stay with your current insurer or agent. Most people switch car insurance to be cheaper. With a malus registration, you are unlikely to find cheaper insurance than your current insurance. Moreover, it is not always possible to switch with a malus registration because few insurers will accept such an application. The moment you no longer have negative claim-free years, it is wise to make a comparison at . Do you currently have a malus registration and want to switch? Then there are certainly possibilities. You have to take into account that the premium will be high and that it is better to switch when you no longer have negative claim-free years.

Claim-free years transferable since 1-1-2022

Since 1 January 2022, claim-free years are transferable in certain situations. In case of death for example, they can be transferred to the surviving partner. Also for lease drivers and drivers who have lived abroad for years, it is now possible to transfer the claim-free years. This way, they do not lose their accumulated claim-free years. In our blogpost you can read more about this new regulation.

Getting car insurance with a malus registration is that possible?

Even with negative claim-free years, you can get car insurance through
Do you have any questions? Take a look at our frequently asked questions. Here you will find the most frequently asked questions per product. Do you need help? Please contact us. We are happy to help! We are available from Monday to Friday between 08:00 and 18:00 on telephone number 088-6883700.

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  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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