Transfer percentages for car insurance to the partner
Until a few years ago it was not a problem to transfer percentages from the car insurance to someone else. Today this is only possible under certain conditions.
Percent carried over to lower premium
- For example, if you as a policyholder had a second car and have been driving accident-free long enough, you have two contracts with low percentages.
- It was often cheaper for the second car within a family to be registered to the person who had been using the vehicle for a long time driver's license owned. The partner then drove the car, but had no opportunity to work out low percentages in car insurance for himself.
- This is especially annoying when a marriage is separated. If the person under contract is unwilling to transfer a contract, the other person has to start their own car at a very high discount level.
- In principle, a discount transfer is only possible within one family. Parents can transfer their discount to a child, grandparents to grandchildren or spouses to each other. However, once the discount has been transferred, it can no longer be reversed.
- There is an exception for company owners. A company owner can transfer his private percentage to the company car. In return, the company declares that it will give the percentage back to the owner if necessary.
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. …
Transfer of the no-claims discount in car insurance
- In principle, transferring the percentages in car insurance is not a difficult matter.
- Request a discount transfer form from your insurance company.
- The personal details of the previous no-claims discount beneficiary and the person to whom the percentages are to be transferred are filled in. In addition, the information regarding the car is added.
- You will need a brief explanation of why the beneficiary is entitled to a discount. One possible answer is that the vehicle has been driven for many years.
- A copy of the driver's license must be attached to the form for the transfer of the percentages.
- Attention: If the percentages of the car insurance result from 20 years of accident-free driving, but your partner has only had a driving license for 15 years, only 15 years can be taken into account. The transfer of the no-claims discount is only worthwhile if the duration of the driving license is at least identical to the discount level.
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