Claim-free years with Porsche insurance

Accumulation of claim-free years

By putting a Porsche car insurance in your name and driving without claims, you build up claim-free years. Claim-free years entitle you to a discount on the Porsche car insurance. The amount of discount you will receive for one extra claim-free year differs per insurer. In fact the insurer rewards you for your driving behaviour. At for instance 10 or 15 damage-free years you have reached the maximum discount.

How do you lose claim-free years?

By claiming on your Porsche car insurance, you lose damage-free years. One claim can cost you five claim-free years. As a result of fewer claim-free years, the premium can rise sharply in the following insurance year. You do not lose accrued years for all claims. Damages insured under the WA limited case policy do not affect your claim-free years. This concerns, for example, windscreen damage, storm and hail damage and theft of the Porsche car. In the event of damage caused by a collision or vandalism, the claim on the insurance will be at the expense of your lossless years.

Claim-free years in Roy-data

The accrued claim-free years are fixed in the Porsche car insurance policy. When the insurance is terminated, the accrued claim-free years are released. The insurer records them in Roy-data. This is a central database in which insurers can look and in which they record accrued years. When applying for a new Porsche car insurance, insurers can consult Roy-data, but this is not possible when switching the insurance. This is because the years are still stuck in the current insurance policy. In that case, you can use the policy to show how many years you have accrued.

Claim-free years accumulated abroad

In the Netherlands, insurers can look into the Roy-data system, but your years are not registered there if they were accrued abroad. You can ask the foreign insurer for a statement that shows your claim history. One condition is of course that the Porsche car insurance has been cancelled. How Dutch insurers deal with this statement differs per insurer. They can grant you claim-free years, but they can also give you an extra discount. Of course the first option is preferable to you. Years built up can be transferred to the next Porsche car insurance after termination of the policy.

Using claims-free years wisely

Claim-free years are fixed in the insurance policy. In some cases it can be smart to remove them from a policy in order to use them in another insurance. For example, you have an old-timer in which you have built up 10 claim-free years. You have insured this car against third-party liability for a very low premium. You can remove the claim-free years from this policy and use them again for the family car for which you take out the more comprehensive third-party insurance. The advantage in euros is greater when insuring the family car compared to the old-timer.

Transferring claim-free years to your child

Young people up to the age of 24 have difficulty finding affordable Porsche car insurance. As parents, you would like to transfer some claim-free years to your son or daughter. That will not work. They are transferable between partners, but not to others.

Second car scheme

When buying a second family car, you start again with zero claim-free years. This will make for a high insurance premium for the second car. This can be different if the insurer uses the second car scheme. Then you can get an extra discount on the insurance of the second car. This discount is based on the claim-free years in the first car insurance policy.

Validity of claim-free years

Claim-free years that are no longer linked to a Porsche car insurance are only valid to a limited extent. In the past, claim-free years were then only valid for one year. Insurers have realised that this is an unreasonably short term. Non-linked claim-free years are now valid for a period of three years with most insurers.