No‐claim discount
No-claim discount is the discount on your car insurance premium that you receive if you drive without making any claims. Calculate the amount of your no-claim discount using the no-claim ladder of your insurer. Do you claim damage? Then you fall back and get less discount.
Calculate your premiumThis is no-claim discount
No-claim discount means that you get a discount on the premium of your car insurance if you do not claim any damage with the insurer. Your insurer rewards you for the number of claim-free years. Did you make no damage (no claim)? Then the insurer does not have to make any costs.
For every year that you do not claim, you get 1 claim-free year. The more claim-free years you have, the more no-claims you build up. The maximum no-claim discount varies by insurer and can be as high as 80%.
Do you claim damage? Then you start paying more again because you fall back in no-claims discount.
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No-claim protection
With some insurers, you can purchase additional insurance for your no-claim. This is called the no-claim-protector. With this protector, your premium remains the same, even if you have one claim each year. You do lose claim-free years. A car insurance with no-claim-protector is more expensive.
Calculate your no-claims discount
Each insurer has its own bonus-malus scheme. As a result, the no-claim discount you receive differs between insurers. The no-claim discount scheme of your insurer can be found in the policy conditions of your car insurance. The more claim-free years you have, the higher you are on the ladder and the more no-claim discount you get.
In the table below, you can easily calculate how much discount you get if you do not claim a loss.
| Claim-free years | B/M step | Discount Rate | New b/m step after 0 damage | After 1 damage | After 2 damages | After 3 damages |
|---|---|---|---|---|---|---|
| 16 and more | 22 | 75% | 22 | 16 | 11 | 6 |
| 15 | 21 | 75% | 22 | 16 | 11 | 6 |
| 14 | 20 | 75% | 21 | 15 | 10 | 5 |
| 13 | 19 | 75% | 20 | 14 | 9 | 4 |
| 12 | 18 | 75% | 19 | 13 | 8 | 3 |
| 11 | 17 | 75% | 18 | 12 | 7 | 2 |
| 10 | 16 | 75% | 17 | 11 | 6 | 1 |
| 9 | 15 | 75% | 16 | 10 | 5 | 0 |
| 8 | 14 | 75% | 15 | 9 | 4 | 0 |
| 7 | 13 | 72,50% | 14 | 8 | 3 | 0 |
| 6 | 12 | 70 | 13 | 7 | 2 | 0 |
| 5 | 11 | 65% | 12 | 6 | 1 | 0 |
| 4 | 10 | 60% | 11 | 5 | 0 | 0 |
| 3 | 9 | 55% | 10 | 4 | 0 | 0 |
| 2 | 8 | 50% | 9 | 3 | 0 | 0 |
| 1 | 7 | 45% | 8 | 2 | 0 | 0 |
| 0 | 6 | 40% | 7 | 1 | 0 | 0 |
| -1 | 5 | 35% | 6 | 0 | 0 | 0 |
| -2 | 4 | 25% | 5 | 0 | 0 | 0 |
| -3 | 3 | 15% | 4 | 0 | 0 | 0 |
| -4 | 2 | 5% | 3 | 0 | 0 | 0 |
| -5 | 1 | -15% | 2 | 0 | 0 | 0 |
Sample calculation of bonus-malus ladder
For every year that you do not claim any damage, you move up one rung on the bonus-malus ladder and receive more discount. If you do claim damage, on the other hand, you drop a number of steps. For every claim you usually drop 5 steps.
Suppose you have 5 claim-free years and are therefore on step 10 of the ladder. On this step, for example, you get 75% discount on your premium. But if you claim any damage in that year, you fall to step 5 and your discount drops to 50%. This shows that damage-free driving pays off.
Claim damage or pay for it yourself
For the insurer, it doesn't matter whether the car damage is large or small. If you claim damage, you go down on the no-claims ladder. As a result, you get less no-claim discount and your car insurance becomes more expensive. Therefore, sometimes it is smarter to pay for the damage yourself.
Always see if it's cheaper in the long run to pay for damages yourself, rather than file a claim that raises your premium.
Responsibility damage
Are you not responsible for the damage yourself? Then you do not fall back on the bonus-malus ladder. These are all damages that fall under the limited casco part of your car insurance.
For example, in the case of:
If someone else has caused damage to your car, you can claim this damage back from that person's insurer. Your no-claim then remains the same and you do not lose any claim-free years.
No-claim discount applies to one car
Are you buying a second family car? Then you would prefer to use the no-claim discount and claim-free years from your first car for the second as well. Unfortunately, you can't. Usually the second car has a different driver with different driving experience. Claim-free years therefore only apply to one car at a time.
Second car arrangement
Insurers often have second car schemes. This means that if you insure a second car with the same insurer, you get the same discount. You cannot take the claim-free years with you. For the second car, you start building claim-free years again.
Build up no-claims discount through parents
Some insurers add children to their parents' auto insurance policy upon request. This applies to children ages 17 to 26. In this way, the child can already build up no-claims discounts, which can be used later when purchasing their own car insurance.
Note that this is not about claim-free years. The no-claims discount only applies if you take out car insurance with the same insurer. If you take out car insurance somewhere else as a child, you will no longer receive the discount.
No-claim discount for the second driver
If you are the second driver, you usually do not accrue claim-free years. Only the person who took out the insurance does. Sometimes you can still get a discount as a second driver. Check your policy for this or contact us.
Cheapest car insurance with no-claims discount
Finding an insurance policy with an 80% no-claims discount does not mean it is also the cheapest car insurance policy. One car insurance policy with a high 80% no-claim discount may still be more expensive than one with a 70% discount.
Therefore, always calculate how much premium you will end up paying per month. You can do this easily by comparing car insurance policies.
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Frequently asked questions about the no-claims discount
What happens to my no-claim discount after a claim?
After claiming a damage, you usually fall a few steps down the no-claims ladder, resulting in a lower no-claims discount. Exactly how much you drop depends on your insurer and the type of damage. Paying for minor damage yourself can be more advantageous to maintain your discount.
How many claim-free years do I need for maximum discount?
The maximum no-claims discount often requires 10 to 15 consecutive claim-free years. Each insurer uses its own no-claims ladder, so exact numbers may vary.
Can I take my no-claims discount with me to another insurer?
Yes, you can take your no-claims discount with you when you switch to another insurer. The new insurer will then ask for your number of no-claim years, which are registered in Roy-data, a central database.
Is my no-claim discount always reduced in the event of a claim?
Not always. Some damages, such as window damage or damage caused by vandalism, do not count toward the no-claims discount. Even if an opposing party is fully liable, your discount is often retained. Always check the policy conditions.
What is the difference between claim-free years and no-claim discount?
Claim-free years are the number of years you have not claimed any damage. No-claim discount is the financial discount you receive on your premium for this. More claim-free years usually lead to a higher discount, but they are therefore two separate concepts.
How can I check my accrued no-claims discount?
You can check your claim-free years (and thus indirectly your no-claim discount) via Roy-data, accessible via your insurer or with DigiD via a central counter. Your policy often also states the current number of claim-free years.
Can I build up no-claim discount with a leased car?
With a private lease car, you usually do not build up any damage-free years, unless stated otherwise in the contract. With business leasing, it depends on the leasing company and the agreements on registration in Roy-data.
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