Press Release: Damage drivers welcome back!

As of today, claimants with so-called negative claim-free years can be reinsured with regular insurance companies at a "normal" premium.

Through Alpina.nl uk's comparison site, it is possible to take out passenger car insurance while having negative claim-free years.

When someone has made a claim with an insurance company, one often falls back with the claim-free years and thus in the bonus-malus discount. As a result, one may end up in the "malus". This can happen even with two claims in quick succession or when the car insurance is shorter than 5 years.

The moment one enters the malus, it is almost impossible to switch insurance companies. Most regular insurance companies do not accept drivers with a negative bonus-malus statement, or negative claim-free years. The only company willing to accept then is De Vereende (Formerly Rialto). However, the premiums at this insurance company are much higher than at the "regular " rate.

"We know from experience that people often end up in the so-called malus due to bad luck," said Marc Diks, director of marketing communications and online. "The problem then is that one can no longer change insurance companies and are often stuck with an expensive car insurance policy. We now have the opportunity through our site to make an attractive offer for those with negative claim-free years."

Nowadays, people often take out bonus protection with a car insurance policy. This allows you to claim one damage per year without affecting the discount. What people often do not know is that the claim-free years then decrease. Also because of this it is possible to have negative claim-free years on the car insurance but a high discount. Even then it is often not possible to switch insurance companies. However, this has now been changed at Alpina.nl .

Also read:

Negative claim-free years with car insurance, then what?

How can I prove my claim-free years?

Negative claim-free years - What are the consequences?

Claim-free years retrieval | Car insurance

Transferring accrued claim-free years

Car damage claim or pay for it yourself?