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.
No-claim bonus (bonus-malus arrangement)
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.