What about claim-free years with vintage car insurance?

You have insured your vintage car for some time now. Fortunately, you have never had to use your insurance. After all, you are an experienced driver and the classic car is in storage for most of the year anyway. Because you have never driven any damage, you have accumulated so-called claim-free years.

But what does accumulating claim-free years mean? And how do claim-free years affect your vintage car insurance? In this blog, Alpina explains what claim-free years mean for you.

What are claim-free years?

Claim-free years are the years in which you have taken out car insurance and no damage has been claimed which affects the accumulated claim-free years. Based on your claim-free years, you get a discount on the premium of your car insurance. This is also called the no-claim discount. This is because you make no claim on your insurance policy.

With most insurers, your no-claims discount starts from your first claim-free year. Each year that you have not claimed a claim thereafter, a discount percentage is added. For example, you can get a 25% discount after the first year and 35% after the second year. These percentages increase until you reach the maximum discount after a certain number of years.