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What does no claim accrual mean?

When taking out a car insurance policy, you will have to deal with a possible no-claim discount. What does no-claim discount mean and how do you build it up? When you have car insurance in your name and you do not claim any damages, you are rewarded for your driving. We call this no claim. The more claim-free years you have, the more no claim you build up. This means you get a discount on your premium. How much discount you get depends on your insurer.


Build up no claim

When do you build up your no-claims?

You build up no-claim when you do not claim any damage with your car insurer. Having no-claim years makes a big difference on the premium of your car insurance. It is important that the car insurance is in your name when the car is in your possession. Every insurance year that you do not claim any damage, you will climb the so-called bonus-malus ladder. The more claim-free years, the higher your no-claim discount. When you do cause damage and claim this at your insurer, you will descend again on the no-claim discount ladder. The no-claim discount will decrease and you will have to pay more for your car insurance. How much no claim discount you will receive is different for each insurer.


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How much no claim do you build up each year?

For every year that you do not claim any damage from your insurer, you will receive 1 claim-free year. This means that every year you receive an extra step in the no-claim discount. The higher you climb on the no-claim discount ladder, the more no-claim discount you receive. However, when you do claim damage, you also lose no-claim years. Losing goes faster than building up. For every claim you make, you lose 5 claim-free years. Because of this, the premium for your car insurance can suddenly rise sharply. Not all claims result in the loss of claim-free years and no claim discount. Damages insured under the third-party limited casco do not affect your claim-free years. Think for example of window damage, fire-, storm- or hail damage and theft of your car. In case of damage caused by a collision or vandalism, the claim on the insurance will be at the expense of your claim-free years.

Is it possible to be able to accumulate a no claim for young people?

Young drivers up to 24 years of age pay considerably more for car insurance. Insurers see young people up to 24 years as a risk group. Statistically, this risk group drives more damage. In addition, young people pay a higher premium because they have not yet been able to build up any no-claims. Therefore they do not profit from the no-claim discount. Taking out an insurance policy in the name of one of the parents can be financially more attractive. However, there are also a number of disadvantages to insuring in one's parents' name. Moreover, as a youngster you do not build up any no-claim discount as long as you do not insure a car in your name. Despite a higher premium in the first years, you do build up a no claim discount for the future.

Accruing no claim as a second driver is possible?

In most cases, the license plate holder is also the regular driver of the car. Insurers assume that partners living at the same address also use each other's car. So in this case there is a second driver. But do you actually build up no claim as a second driver? In general, only the person who actually takes out the car insurance (policyholder) builds up claim-free years. For every year that the policyholder does not claim any damage with the insurer, he or she earns 1 claim-free year. The more claim-free years, the higher the no-claim discount. The second driver generally does not accrue any claim-free years. Even if both are known to the insurer as regular drivers. However, there are a number of insurers where you can, in some cases, build up no-claim discount as a second driver. Look for more information in your policy conditions or contact us for the possibilities.

Read more about transferring claim-free years in case of divorce here.

Is it possible to be able to accumulate a no claim with your parents?

Young people who have never had a car insurance before start with zero claim-free years and therefore have no no-claim discount. Is it possible to build up no-claim discount for your child as a parent? As we mentioned before the no-claim discount is personal. As a parent you cannot build up no-claim years for your child. Many young people try to get car insurance through their parents. Of course this makes a difference in premium, but beware! The insurer asks who the regular driver is when taking out the car insurance. If the young person drives the car the most, but does not report this, this is insurance fraud. The insurer can even decide to stop the insurance and you can risk a CIS registration.

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.

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