Press Release: Damage claimants welcome again!

From now on, claimants with so-called negative claim-free years can again be insured with regular insurance companies at a "normal" premium.

Through the comparison site of Alpina.nl it is possible to take out personal auto insurance while having negative claim-free years.

When someone claims a loss with an insurance company, the damage-free years and thus the bonus-malus discount are reduced. This can lead to a situation where you end up in the "malus". This can happen with two claims in quick succession or when the car insurance has been in force for less than 5 years.

The moment one enters the malus, it is almost impossible to change insurance companies. Most regular insurance companies do not accept drivers with a negative bonus-malus statement or negative damage-free years. The only company that is willing to accept such a statement is De Vereende (formerly Rialto). However, the premiums with this insurance company are much higher than the "normal" rate.

"We know from experience that people often end up in the so-called malus because of bad luck," said Marc Alpina, co-owner of Alpina.nl. "The problem is then that people can no longer change insurance companies and are often stuck with expensive car insurance. We now have the possibility via our site to make an attractive offer for those with negative claim-free years".

Nowadays, people often take out bonus protection with car insurance. This allows you to claim one damage per year without affecting the discount. What people often do not know is that the claim-free years then decrease. Also because of this it is possible to have negative claim-free years on the car insurance but a high discount. Even then it is often not possible to switch insurance companies. However, this has now been changed at Alpina.nl .

Read also:

Negative claim-free years on a car insurance, so what?

How can I prove my claim-free years?

Negative claim-free years - What are the consequences?

Claim-free years request | Car Insurance

Transferring accrued claim-free years

Claim or pay for car damage yourself?