Your no-claims years (SVJ) determine your no-claim discount: the more claim-free years, the higher your step on the bonus-malus ladder and the lower your premium. Do you have no no-claims years, dan start u op een lage trede en betaalt u meer. Uw auto verzekeren kan echter altijd — de WA-Coverage is bovendien wettelijk verplicht.
Common situations: you are a first-time carer, you drove a for years company car or a lease car (where often no SVJ have been accrued or registered), you are returning from the abroad, or you have been uninsured for more than a year, causing your no-claims years to expire. Sometimes an insurer accepts a employer's declaration or a foreign cancellation statement to grant you claim-free years after all.
By comparing starting tiers, submitting an employer's or cancellation statement where possible, choosing an insurer with a driving style or telematics discount, and starting with appropriate coverage. You then build up a discount for each claim-free year. At Finass Insures we look for the insurer that insures you most favorably without SVJ.
As independent advisors, we compare more than 30 Dutch insurers and know who offers the best starting level without claim-free years, or who accepts an employer's or cancellation statement. Not a comparison site, but a real advisor.
