How exactly does it work with claim-free years with motorcycle insurance?

How are claim-free years accrued for motorcycles? Note: accrual per policy

Accruing claim-free years is quite simple. From the moment you take out motorcycle insurance, the counter starts running. You then build up one claim-free year for motorcycle insurance per year that you have the insurance, if you do not claim. And this is deliberately referred to as "not claiming. Do you make minor damage? Then it is sometimes more advantageous to pay for the damage yourself.

By the way, it is worth noting that you accrue claim-free years per policy. People sometimes think that claim-free years are accrued in one name. Do you have 5 claim-free years on your car insurance policy? Then this means you have no claim-free years yet if you take out motorcycle insurance for the first time. But there is a solution to this with most insurers:

Can you link claim-free years between different vehicles?

You may still receive a discount if, for example, you have accumulated 10 claim-free years with the car and take out a new motorcycle insurance policy. This depends on the policy of the insurer. Therefore, always check the insurance conditions carefully in advance.

Who exactly accrues the claim-free years for the motorcycle?

In most cases, the policyholder accrues the claim-free years for motorcycle insurance. In those cases, the policyholder is often also a regular driver. Sometimes someone else builds up the claim-free years as a regular driver. This is where transparency to the insurer is important.

What if you claim damage through motorcycle insurance?

If you claim damage, it will directly affect your claim-free years accrual. It varies by insurer, but often you lose 5 claim-free years when claiming damage. This is another indicator that a private resolution for minimal damage is often a good idea. After all, claiming damage is claiming damage.

How long are claim-free years valid and what are negative claim-free years for motorcycles?

In general, claim-free years are valid for 3 years after which they expire. However, this also varies by insurer. Sometimes there are also exceptions to applicable rules.

And do you have negative claim-free years? Although this affects your premium (which will be higher for motorcycle insurance), it is wise to be honest about it. Eventually you will build up claim-free years again, which will lower your premiums in the future.

Get your motorcycle insurance from Alpina

Do you want to take out motorcycle insurance? At Alpina, we have good conditions for taking out motorcycle insurance. By the way, you can always contact us if you have questions about the claim-free years scheme.