Car insurance: when the percentages expire

Get percentages in car insurance

There are several ways that you can get percentages on auto insurance. Depending on the route, these can also expire very quickly.

• Usually you start in the Car insurance in class SF 1/2 if you have the driver's license have more than 3 years or in class in class 0 if you have this shorter. The percentages vary depending on the insurance company, in SF 1/2 they go from 100 to 140% in SF 0 from 200 to 260%.
• In the next year you can then get into class SF 1, provided you have been insured for more than 6 months and have not had a claim. As a rule, you are then always at 100%.
• In the following years, you increase by one no-claims class for each year in which you have no claim. Not every change in class also affects the percentages. For example, the same percentages can apply in class SF 9 and 10.
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• A faster way to get more percentages is if you have a no-claims bonus transferred, which is only possible under very specific conditions. Discounts that you have received or that you have experienced yourself expire in the same way. No-claims classes are always taken over when you switch, but you may be subject to change after the switch have different percentages because the percentages belonging to the classes are different for the insurance companies are.


Take over the percentages for car insurance - that's how it works

With almost every car insurance you can take over the percentages of a loved one. …

• If you receive high discounts through a special arrangement such as a partner tariff or a second car arrangement, these may be immediate expire if you change car insurance, because these are special conditions that other insurance companies often do not take over. So here you can quickly lose percent again.

So the discounts usually expire

Please note that the various companies have different regulations. So it is worthwhile asking various insurance companies. It is important to know that there is no uniform regulation. Usually it is like this:

• If you interrupt the contract for less than 6 months, this has no effect on the percentage; you will be promoted to the next higher class in the next year.
• If the car insurance is interrupted for more than 6 months, but no more than 12 months, the percentages are usually retained, but you are not assigned a higher rating.
• Longer interruptions are treated quite differently by the different companies. With some insurances you keep the percentage you have earned, some you downgrade by one class per year. There are also companies where you are re-classified as a beginner according to the driving license regulation (SF 1/2) after 7 years.
• Even in the event of a claim, percentages in car insurance are forfeited; depending on the company, you will be downgraded by one or two classes for each damage.

In general, there are no uniform regulations for car insurance. Percentages do not necessarily have to expire.