Claim-free years scooter carry over to car insurance

Damage-free years on scooter do not count for car

Unfortunately, claim-free years accrued with scooter insurance are not taken into account with car insurance. Insurers believe that claim-free years with a scooter or moped are not important for car insurance. Only the claim-free years of a car are registered in Roy-Data.

The claim-free years you accrue with your scooter do not apply to your car. Therefore, these years are not included when calculating your car premium. This is because the experience you gain on a scooter is not important for driving a car. Scooter experience does not make you less likely to get into a car accident.

Are you switching from a moped or scooter to a car? Then you start with 0 claim-free years with your car insurance.

Insuring your car without claim-free years

You often pay a higher premium when you take out your car insurance than someone with claim-free years. Fortunately, you can build up those claim-free years from that moment on. After one year without a claim, your no-claim discount often increases significantly.

The cheapest car insurance is one with third-party coverage. With this you are insured for damage for which you are liable. This is damage you cause with your car or other vehicle to others.

Novice driver

Car insurance for young people is usually expensive. You have not yet accumulated any claim-free years and you pay more due to an extra surcharge because of your age. Exactly how much you pay depends on the insurer and the terms of the policy.

Claim-free years expire

Moving from a scooter to a car may not mean that you will never ride a scooter again. If you want to reinsure a scooter in your name, those claim-free years may still come in handy.

Claim-free years do not remain valid indefinitely. They expire after a certain number of years. Usually after 3 years but sometimes after 2 or even 5 years. So check this before buying scooter insurance again.