Transferring claim-free years: what about moped insurance?
If you have purchased moped insurance, you may be familiar with the term claim-free years. As a policyholder, you build up claim-free years. Every year that you do not claim any damage with your moped insurer, you get 1 additional claim-free year. Damage-free years also give you a discount on your moped insurance. The more claim-free years you have, the lower the premium. Since January 1, 2022, the rules around taking over claim-free years have improved, to the benefit of the policyholder. In this article on Brommerverzekering.nl , we explain in which situations you can take over claim-free years.
How does the transfer of claim-free years work exactly?
Previously, insurers could decide for themselves how they would deal with the transfer of claim-free years in certain situations, for example in case of death of the policyholder, divorce or after a lease contract. However, since 1 January 2022, an unambiguous policy has been introduced to which all insurers who are members of the Dutch Association of Insurers must adhere. In the following situations, the transfer of claim-free years is now possible:
Death
One such situation is the death of the policyholder. If the policyholder was your partner, you can take over his or her claim-free years. Many partners share a vehicle together, such as a moped. However, only the person in whose name the moped insurance is registered, builds up claim-free years. Before the new rules, many insurers were already accommodating in case of death, but from now on every insurer is so. You can therefore take over the claim-free years of your deceased partner, provided you are registered at the same address. To be able to use the moped, you must of course be in possession of a valid driving licence.
Divorce
During a divorce there is often a division of assets. Claim-free years can also be divided between two ex-partners. The partner in whose name the moped insurance is held is the only one who accrues claim-free years. This partner determines the allocation key, i.e. how the claim-free years are distributed. By means of a waiver the claim-free years are waived. This way it is prevented that one of the two partners is left without claim-free years and therefore has to pay a lot more for his own moped insurance.
Lease driver
As a leasing driver, you are not the actual owner of the moped. The moped and the moped insurance are therefore not in your name, which means that you do not build up any claim-free years. With a lease statement, you can prove that you have driven without damage during the lease period. Before 1 January 2022, moped insurers took varying approaches to this. Some insurers only gave a premium discount, which you lose if you want to switch insurers.
Moped insurance abroad
Claim-free years that you have built up with a foreign moped insurance can be taken over with a written statement from the insurer in the country concerned. You can then submit this to your insurance company in the Netherlands. On the basis of this declaration, the claim-free years are awarded.
Transferring damage-free years from moped to car
Transferring claim-free years from a moped insurance to a car insurance is unfortunately less easy. According to insurance companies, the claim-free years you have built up with a moped are of little value for a car. This is because they think that the driving experience you gain with a moped is not relevant for a car insurance. Therefore it is often not possible to transfer damage free years from your moped insurance to a car insurance when you change your moped for a car.
Do you have any questions about the transfer of claim-free years or about taking out moped insurance? Please do not hesitate to contact us! We are available from Monday to Friday from 08.00 to 18.00 on 088 - 6883700. You can also send us a message via chat, WhatsApp or Messenger.
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