From January 1, 2014 you never have to wonder how many claim-free years you have accumulated. Last summer, the insurance companies affiliated with the Dutch Association of Insurers agreed with each other.
Why is that good news?
The accrued number of claim-free years determines your discount percentage. The more claim-free years, the higher the discount. Do you want to switch to a different insurer? Then it is nice to know in advance exactly how long you have driven without damage. That way you know exactly what your new car insurance premium will be.
How was it again?
Many insurers never mentioned this number on your policy schedule. Often on which bonus-malede reason you were. But because bonus/malus ladders can differ per insurer, this led to much confusion among car owners if they wanted to switch once or make a premium comparison. This will change as from 1 January because insurers will now state your claim-free years on the policy schedule or bill.
Your benefits with claim-free years on your policy schedule
From now on you will never again experience the following problems with a possible transfer:
- You state too many claim-free years, so that you pay a higher car premium after recalculation.
- You state too few claim-free years, as a result of which you may remain ignorant of a higher premium discount and you refrain from a favorable transfer.
Still accurately compare
Because you now know how many claim-free years you actually have, you can therefore more accurately compare the premium for your car insurance with the premiums of other companies. You can immediately see exactly how much you save on your car insurance.
Compare car insurance
A difference that among Binto Binto users is around € 200 a year!
Binto Binto has been committed to a more transparent insurance market since 2000. We therefore warmly welcome the decision of the car insurers. You, as a consumer, can only benefit from it. The possible randomness belongs to the past. From now on you can clearly see what your number of pure claim-free years is. Something that you, of course, are entitled to as an insured person.
Not everything will be different
Every insurer can still choose, for example, to offer a no-claim protector or to use its own bonus-malus ladders. For example, with a no-claim protector you are assured not to fall back in claim-free years if you ever claim damage on your car insurance. But if you switch, then your actual number of claim-free years will certainly be looked at.
You can now find that number on your policy schedule. Unpleasant surprises about your premium discount are a thing of the past.