Which no claims class do I have?

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The no-claims class determines the premium that you have to pay for your car liability and comprehensive insurance. Surely you want to know what class you are. The basis for the classification are the claim-free years and the possession of a driver's license.

A car must have liability insurance.
A car must have liability insurance.

The no-claims class is a term used in car insurance. It is essentially based on two criteria: When did you get yours driver's license and how many claims-free years can you prove since you first insured a car? If you want to know which no-claims class you have, you can ask your insurance company or look at your insurance policy.

Do you have the right no-claims class?

  • You can find out the no-claims class on your insurance policy or directly from your insurer. If the insurance is changed, you keep your no-claims class.
  • The classification is based on claims-free years, the downgrade annually. With each downgrade, the premium is reduced by a few percent. Some no-claims classes are also identical in terms of their percentages. Then you will only pay less in the year after next.
  • Which no-claims class you have after buying your first car depends on whether and for how long you have already had your driver's license. If you have a driver's license for more than three years prior to your primary insurance and can provide evidence of driving experience, start paying the premium at 120%. Otherwise you will be placed in the highest class, the SF0.
  • If you think you have been placed in the wrong class, you should contact your insurer. They will review your request.
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What you should know about the no-claims classes

  • The no-claims class changes every year. You move up a class if you have not taken out insurance. At the same time, this means that your premium is reduced. In the lowest no-claims class (SF25) you pay 30% of the insurance premium, in the highest (SF0) 240%.
  • Have you a accident and you take out insurance, you will be downgraded. While the downgrade is only made in one class each year, the upgrade takes place after one Claiming several classes, depending on the class in which you claim the insurance to take.

No-claims classes apply to fully comprehensive insurance and liability insurance, but not to Partial coverage. In this you always pay a contribution of 100%

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