What is a no claim protector?
When you purchase auto insurance, you can additionally insure it with a no claim protector. A no claim protector is a means to keep your premium equal of your current car insurance and you can claim one damage each year. When you switch to another insurer, it does have a negative impact on your premium. When using a no claim protector, you lose a number of claim-free years. This is only a disadvantage if you switch to another insurer.
Car insurance with no claim protector
Have you taken out car insurance with no claim protector? Then you can claim one damage each year without increasing your premium. If you have a car insurance with no claim protector, you will lose a number of claim-free years. The consequence is that you get less discount on the premium of your car insurance. In fact, fewer claim-free years means less discount. However, this is only a disadvantage when you switch to another insurer. Your previous no claim protector does not count. Because of this, you will have to pay more premium when switching to another car insurance.
Claim-free years are recorded by the insurer in Roy-data. Roy-data is a central database in which insurers can look to see how many claim-free years you have accumulated. In addition, insurers can record the accumulated years in Roy-data. Claims are also registered in Roy-data.
No claim protector or not
Are you unsure about the additional no claim protector? The big advantage of a no claims protector is the benefit on your premium with your current auto insurer. There are also disadvantages to claiming annually.
A major disadvantage is that you lose claim-free years and do not accrue new claim-free years. In addition, you will receive less no claims discount if you switch to another insurer. As a result, you are also less likely to switch to a cheaper insurer. And to take out no claim protection you will pay a higher premium.
In the bonus-malus ladder you can see how much discount you get. The number of claim-free years determines on which step you start. If you have accumulated many claim-free years by driving without a claim for more than 10 years and are thus at the top of the no-claims bonus scale, a no-claims discount is of little use to you. Making a claim does mean that you go back a few steps on the ladder, but with most car insurance companies the corresponding premium discount remains unchanged. Only in case of subsequent claims does it make sense to consider a no claim protector.
For young drivers who have just gotten their driver's license, however, no-claim protection can be attractive. Because they have been able to build up little to no discount yet, in the event of a claim, the premium goes up significantly. To avoid this surcharge, they may consider a no-claim protector.
Claim-free years transferable since 1-1-2022
Since Jan. 1, 2022, claim-free years are transferable in some situations. Upon death, for example, they can be transferred to the surviving partner. Also for lease drivers and drivers who have lived abroad for years, it is now possible to transfer claim-free years. This way they do not lose their accumulated claim-free years. You can read more about this new regulation in our blog post.
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