Transferring claim-free years: what about moped insurance?

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.