What is a no-claim table?
A no-claim table is also known as a bonus-malus ladder. A no-claim table is, as the name suggests, a table that insurers use to determine the no-claim discount for your car insurance. The discount you receive depends on the number of no-claim years you have accumulated. The more claim-free years you have, the higher you are in the no-claim table and the more no-claim discount you receive. Each insurer has its own bonus-malus scheme and its own no-claim table. As a result, there may be differences in discount between different insurers.
How does it work?
The no-claim system works like a reward system that rewards claim-free driving by the insurer. The more no-claim years you have, the higher the discount. Each year that you do not claim any damage with the insurer, you move up one rung on the ladder. The discount can amount to as much as 80% on the basic premium. However, you can also sink back down the ladder. This happens when you claim damage from the insurer. For every claim you make, you lose 5 claim-free years. Although the drop in claim-free years is the same for each insurer, the discount or surcharge may vary. How much discount or surcharge you receive can be seen in your insurer's no-claim table.
Where can I find the no-claim table?
Each insurer may use its own no-claim table. This means that both the number of rungs on the ladder and the maximum no-claim discount can differ per insurer. It can also differ per insurer on which step of the bonus malus ladder you start. Have you accumulated 5 claim-free years? With one insurer you start on step 10 and with the other on step 11. Like any ladder, a bonus malus ladder also has an upper step. If you are on this step, you have reached the top (the maximum discount). You still accrue claim-free years, but they no longer count toward the no-claims discount. People on the top step can have 15 claim-free years, but also 30.
Are you looking for your insurer's no-claim table? This can always be found in the policy conditions of your car insurance. The insurance policy you receive each year from the insurer states how many claim-free years you have accumulated, on which step you are on and how much no-claim discount you have.
Claim-free years transferable since 1-1-2022
Since Jan. 1, 2022, claim-free years are transferable in some situations. Upon 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 claim-free years. This way they do not lose their accumulated claim-free years. You can read more about this new regulation in our blog post.
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here today until 6 p.m.