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no-claim bonus (bonus-malus arrangement)

step

premium discount

if no claim

if 1 claim

if 2 claims

if 3 claims

-2

-20%

-1

-2

-2

-2

-1

-10%

0

-2

-2

-2

0

0%

1

-2

-2

-2

1

10%

2

-1

-2

-2

2

15%

3

0

-2

-2

3

20%

4

1

-1

-2

4

25%

5

2

0

-2

5

30%

6

3

1

-2

6

40%

7

4

2

-1

7

50%

8

5

3

0

8

50%

9

6

4

1

9

50%

10

7

5

2

10

50%

10

8

6

3

Depending on the number of claim-free years of insurance, you will receive a discount (bonus) on the basic premium. This discount may become as much as 50%. A claim does not become immediately fatal. There is a favourable step-back arrangement. In the event of four or more claims in one insurance year a return to step -2 will always be made.

At the start of the cover, a so-called ranking will take place. The more claim-free years you can establish, the higher your ranking. Establishing your claim-free status needs the original no-claim or termination declaration from your previous insurer. In principle, this declaration must not be older than 12 months.