From moped to car: what happens to claim-free years?
In a moped insurance policy, you build up claim-free years. Can you also take the accumulated years with you to a car insurance? Because that has the advantage that you can reduce the premium for car insurance. Especially for young people who have not had a car insurance in their name before. By claim-free driving, you build up claim-free years in moped insurance. Once you have your car license, you will probably want to trade in the moped for a car. When insuring it, you find out that some insurers are charging young drivers without a proven claim-free history a high premium. With the years accrued in moped insurance, you can limit the financial loss. Unfortunately, most auto insurers do nothing with the years accrued in moped insurance.
Why are claim-free years important?
Insurers reward claim-free driving with a discount on the premium. The longer you drive claim-free, the more you are entitled to a higher discount on the premium. The discount can be as high as 75 percent with most insurers. There are even insurers that increase the discount to above 80 percent.
How do auto insurers handle these claim-free years?
Years accrued in moped insurance have little value for auto insurance. This is because they are not taken into account when determining the premium for car insurance. Driving experience on a moped has little effect on the likelihood of an accident with a car, according to insurers. So unfortunately for the car, the years accumulated on the moped are of no use to you.
What can you do with the claim-free years accrued on the moped?
Unfortunately little for car insurance. However, you can use them again if you do reinsure a scooter or moped in your name. Be aware that the accumulated years do not remain valid indefinitely. They may expire after a number of years.
How can you still get cheap insurance as a young novice driver?
Young people often choose, after buying their first car, to opt for an insurer with which the parents are also insured. Often this is not wise. In fact, many insurers charge sky-high premiums for novice young drivers. Extra high premiums often apply until the age of 24, because this age group causes proportionally more damage. However, this does not mean that you will have to pay a high monthly premium for car insurance. In fact, the amount of the premium varies greatly from one insurer to another. By comparing on Alpina.nl you can still arrive at a reasonable premium.
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