Transferring my scooter's claim-free years to my car insurance
Unfortunately, with most insurers, you can't transfer the claim-free years you've accumulated with your moped or scooter to your car insurance policy.
Compare Car Insurance PoliciesClaim-free years on a scooter do not count toward a car
Unfortunately, the claim-free years you’ve accumulated with scooter insurance aren’t carried over to car insurance. Insurers believe that claim-free years on a scooter or moped aren’t relevant to car insurance. Only claim-free years from a car are recorded in Roy-Data.
The claim-free years you accumulate while riding your scooter do not apply to your car. That is why these years are not taken into account when calculating your car insurance premium. This is because the experience you gain riding a scooter is not relevant to driving a car. Scooter riding experience does not reduce the likelihood of a car accident.
Are you switching from a moped or scooter to a car? If so, you'll start with 0 claim-free years on your auto insurance.
Insuring Your Car Without a Claims-Free History
When you take out car insurance, you often pay a higher premium than someone with a claims-free history. Fortunately, you can start building up that claims-free history from that point on. After just one year without a claim, your no-claims discount often increases significantly.
The cheapest car insurance is a policy that provides third-party liability coverage. This insures you against damage for which you are liable—that is, damage you cause to others with your car or another vehicle.
New Driver
Car insurance for young people is usually expensive. You haven't built up any claim-free years yet, and you pay more due to an age-based surcharge. Exactly how much you pay depends on the insurer and the terms of the policy.
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Claim-Free Years and Premium Discount
If you don't cause any damage with your scooter, you'll receive a discount on your insurance from the insurer. The longer you ride without causing any damage, the bigger the discount you'll get. For every year you go without causing any damage, you'll add another claim-free year to your record.
The discount can be as high as 75%, and with some insurers, even up to 80%. This way, you can save a lot of money on your scooter insurance. The same applies to car insurance.
File a claim or pay out of pocket
That’s why people sometimes choose not to report minor damage to their insurer but to pay for it themselves. That way, they maintain their claim-free years and avoid moving down the no-claims discount scale for their scooter insurance.
Claim-free years expire
If you switch from a scooter to a car, that doesn't necessarily mean you'll never ride a scooter again. If you want to insure a scooter in your name again, those claim-free years might still come in handy.
Claim-free years are not valid indefinitely. They expire after a certain number of years—usually after 3 years, but sometimes after 2 or even 5 years. So be sure to check this before you renew your scooter insurance.
Claim-free years for scooter not included in Roy data
Claim-free years that you accumulate with auto insurance are recorded in the Roy database. Claim-free years for a scooter are not. For that, you still use an old-fashioned paper claim-free certificate.
Frequently Asked Questions About Transferring Accident-Free Years for a Scooter
Why don't the claim-free years on a scooter count toward your car insurance?
Claim-free years on a scooter are not taken into account because insurers do not consider riding experience on a scooter to be equivalent to that of driving a car. In addition, claim-free years on a scooter are not recorded in Roy-data, the central system used by auto insurers.
What happens to your no-claims years if you switch from a scooter to a car?
If you switch from a scooter to a car, you’ll start with 0 claim-free years for your car insurance. The claim-free years you’ve accumulated with your scooter won’t be carried over and therefore won’t be taken into account when determining your car insurance premium.
What is the difference in the premium discount between scooter and auto insurance?
The premium discount works in a similar way: the more claim-free years you have, the higher the discount. For scooters, the discount can be as high as 75% or 80%, just like for cars. However, you cannot transfer the accumulated discount from a scooter to a car.
How can you prove that you've had a claim-free record with a scooter?
You can prove your claim-free years on a scooter by providing a paper certificate of claim-free status from your scooter insurance provider. This document states how many years you have driven without making a claim. However, auto insurers usually do not accept this as proof for a lower auto insurance premium.
See also
- Transferring Ownership of a Moped
- Transferring Ownership of a Moped Without a Driver's License
- Transferring Ownership of a Moped Online
- Third-Party Liability Moped Insurance
- Third-Party Liability + Theft and Fire Moped Insurance
- Third-Party Liability + Theft, Fire, and Collision Moped Insurance
- Checking Your Accident-Free Years
- Insuring a Scooter Without a Driver's License
- Scooter Insurance
- Scooter insurance in my parents' name
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