Claim-free years with Porsche insurance

Accruing claim-free years

By getting Porsche car insurance in your name and claim-free driving, you build up claim-free years. Claim-free years entitle you to a discount on Porsche car insurance. How much discount you get for one additional claim-free year differs per insurer. Actually, the insurer rewards you for your driving behavior. With for example 10 or 15 claim-free years you have reached the maximum discount.

How do you lose claim-free years?

Claiming on your Porsche car insurance policy again causes you to lose claim-free years. One claim can cost you five claim-free years. Because of fewer claim-free years, the premium can rise sharply in the following insurance year. Not with all claims you lose accrued years. Damages that are insured in the WA limited casco are not at the expense of the claim-free years. These include, for example, windshield damage, storm and hail damage and theft of the Porsche car. In the case of damage caused by a collision or vandalism, however, the claim on the insurance will be at the expense of your claim-free years.

Claim-free years in Roy-data

The accrued claim-free years are fixed in the Porsche car insurance policy. When the insurance is terminated, the accrued claim-free years are released. The insurer records them in Roy-data. This is a central database in which insurers can look and in which they record accrued years. When applying for a new Porsche car insurance, insurers can consult Roy-data, but this is not possible when switching the insurance. This is because the years are still stuck in the current insurance policy. In that case, you can use the policy to show how many years you have accrued.

Claim-free years accrued abroad

In the Netherlands, insurers can look in the Roy-data system, but your years are not registered there if they were accumulated abroad. You can ask the foreign insurer for a statement showing your claim history. One condition, of course, is that the Porsche car insurance has already been terminated. How Dutch insurers handle this statement differs per insurer. They can grant you claim-free years, but they can also give you an extra discount. Obviously, the first option is preferable for you. You can take accrued years back to the next Porsche car insurance policy after the insurance is terminated.

Using claim-free years smartly

Claim-free years are tied up in insurance. In some cases, it may be smart to take them out of a policy to use them in another insurance policy. For example, you have a vintage car in which you have accumulated 10 claim-free years. You have WA insurance for this car at a very low premium. You can take the claim-free years out of this insurance and use them again for the family car for which you take out the more extensive third-party insurance. The advantage in euros is greater when insuring the family car compared to the oldtimer.

Transferring claim-free years to your child

Young people under the age of 24 struggle to find affordable Porsche car insurance. As parents, you might want to transfer some claim-free years to the son or daughter. That won't work. They are transferable between partners, but not to others.

Second car arrangement

When buying a second family car, you start again with zero claim-free years. This will make for a high insurance premium for the second car. This can be different if the insurer uses the second car scheme. Then you can get an extra discount on the insurance of the second car. This discount is based on the claim-free years in the first car insurance policy.

Validity of claim-free years

Claim-free years no longer associated with Porsche car insurance are only valid for a limited time. In the past, claim-free years were then only valid for one year. Insurers have recognized that this is an unreasonably short period. Claim-free years not linked to insurance are now valid for a period of three years with most insurers.