Transferring the no-claims class: taking the discount with you
The no-claims class lowers the car insurance premium with each accident-free year. Under certain conditions, this discount can be transferred to other people or another vehicle, which saves real money.
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What you should do now
- 1
1. Clarify the requirements
Check whether and to whom the transfer is possible (e.g. relatives).
- 2
2. Prove use
Show that the person has used the vehicle so far, if required.
- 3
3. Involve the insurer
Apply for the transfer with the insurer and clarify the conditions.
- 4
4. Observe the switch
When changing provider, ensure the class is taken over correctly.
How to spot the scam
- The transferred class is not correctly recognized by the new insurer.
- A required co-use cannot be documented.
- When switching, the discount is lost through errors.
Frequently asked questions
Can I give away my no-claims class?
In certain cases you can transfer it to close relatives, for instance if they have used the vehicle so far. The insurers have their own rules for this. A free transfer to any person is generally not possible.
Does the discount remain when switching insurers?
Yes. The achieved no-claims class is generally transferred to the new contract when switching. Make sure the new insurer takes over the correct classification, so that your discount is not lost.
What happens to the class in an accident?
A self-inflicted claim settled by the insurance leads to a downgrade into a less favorable class, which raises the premium. For smaller damage, it can be cheaper to pay the damage yourself in order to avoid the downgrade.
Take action now
We put together the ready-made texts and the right places to contact for you.
General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.