Claim-free years with scooter insurance
Damage-free years make scooter insurance more affordable. This is because they entitle you to a discount on the premium. By taking out scooter insurance in your name, you build up claim-free years. During the insurance year, no claims on the scooter insurance, entitles you to one claim-free year. By claiming, on the other hand, you lose claim-free years. What else should you know about the claim-free years?
Transferring accrued claim-free years
Having damage free years makes a big difference for the scooter insurance. With most insurers, claim-free driving allows you to build up a discount of between 70 and 80%. Under certain conditions it is possible to transfer accrued claim-free years to someone else. What are the possibilities and when does this happen?
Accumulation of claim-free years
By putting a scooter insurance in your name and driving without damage, you build up claim-free years. Claim-free years entitle you to a discount on the scooter insurance. How much discount you get for one extra claim-free year differs per insurer. Actually the insurer rewards you for your driving behaviour. When you have 10 or 15 claim-free years you have reached the maximum discount.
Claim-free years are transferable between partners, but not to other people in your life.
How do you lose claim-free years?
Claiming on your scooter insurance will cause you to lose claim-free years again. One claim can cost you up to five claim-free years. Therefore, if you have fewer claim-free years, the premium may rise sharply in the following insurance year. However, you do not lose accrued years for all claims. Damages that are insured in the WA + Theft and Fire are not at the expense of the claim-free years. These include, for example, windshield damage, storm and hail damage and theft of the scooter. However, in case of damage caused by a collision or vandalism, the claim on the insurance will be at the expense of your claim-free years.
Claim-free years not in Roy-data
The accrued claim-free years are fixed in the scooter insurance. When the insurance is terminated, the accrued claim-free years are therefore released.
With car insurance, the insurer records the claim-free years in Roy-data. This is a central database in which insurers can look and in which they record accrued years. With scooter insurance, however, they use a cancellation statement.
When cancelling a scooter insurance, you receive an annulment statement. An insurer only issues this once. So be careful with it. A new insurer can only take over the claim-free years on the basis of an original expulsion statement.
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 which shows your claim history. A condition is of course that the scooter insurance has already ended. 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. After termination of the insurance you can take the accrued years with you to the next scooter insurance.
Smart deployment
Claim-free years are fixed in the insurance. In some cases it can be smart to remove them from a policy and use them in another insurance. For example, you have an old-timer with 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 insurance policy and use them again for the family car for which you take out the more extensive third-party hull insurance. The advantage is greater when insuring the family car than when insuring the old-timer.
Validity period
Claim-free years that are no longer linked to a scooter 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 period. Non-linked claim-free years are now valid for three years with most insurers.
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