You can find the number of years for your no-claims bonus in your Company car or van insurance’s policy schedule.
"}},{"componentType":"accordion","accordionList":[{"title":"How can I switch from my current insurer to ING – Allianz Direct?","richBody":{"value":"If you now have different company car insurance elsewhere, you can simply transfer the no-claims bonus you have built up by stating the numbers of years in your car or van application.
"}},{"title":"Did your last company car insurance end less than four years ago?","richBody":{"value":"Two years ago for example? In that case, you can use the no-claims bonus you built up with your last insurer in your car application or van application. Check the number of years in your most recent policy schedule.
If your last company car or van insurance ended more than four years ago, you won’t be able to use the no-claims bonus you built up previously. Good to know: this is only three years for most other insurers.
"}},{"title":"What if you sell your private car and buy a company car?","richBody":{"value":"
If you’re self-employed or a sole trader, you can use the no-claims bonus you built up for your ‘regular’ car insurance in the application for your company car or van insurance.
If your business has a different legal form, you should notify us of the no-claims bonus you built up for your private vehicle by means of a waiver (PDF). Please complete it, sign it and email it to ing.auto.servicevragen@allianzdirect.nl.
"}},{"title":"What if you buy a company car in addition to your private car?","richBody":{"value":"You build up your no-claims bonus per person or business and per vehicle.
If, for example, you have a private vehicle with a 10-year no-claims bonus and you buy a company vehicle in addition to this, the no-claims bonus of the company vehicle will start from scratch.
"}},{"title":"Do you have several company cars?","richBody":{"value":"The no-claims bonus of each new vehicle will start from scratch. If you’re getting rid of a company car, you can use the no-claims bonus you built up for that car when you apply for company car insurance for another company car.
"}}]},{"componentType":"sectionTitle","title":"2. This is how your no-claims bonus works"},{"componentType":"paragraph","richBody":{"value":"Each year in which you don’t claim any damage is added to your no-claims bonus. The number of years you drive without damage is a measure for how safely you drive.
Your no-claims bonus determines your premium discount.
"}},{"componentType":"accordion","accordionList":[{"title":"No damage claims for a year?","richBody":{"value":"That year is added to your no-claims bonus.
"}},{"title":"What happens when you claim damage?","richBody":{"value":"You’ll lose 5 years of your no-claims bonus. If your no-claims bonus is based on more than 15 years without damage, you’ll still drop back to 10 years if you claim any damage.
Important: as your no-claims bonus is reduced after a damage claim, your premium discount will be less.
"}}]},{"componentType":"sectionTitle","title":"3. When do we check your no-claims bonus?"},{"componentType":"paragraph","richBody":{"value":"You notify us of your no-claims bonus when you apply for your company car insurance. We check the number of years after 30, 50 and 70 days in this national database. Your previous insurer therefore has some time to register your no-claims bonus for us.
"}},{"componentType":"sectionTitle","title":"4. How much no-claims bonus you lose after a claim"},{"componentType":"paragraph","richBody":{"value":"If you claim any damage with us, we’ll pay the costs for beating the dents out of your company car, for example, or for installing a new bumper.
All the insurers have agreed that you’ll lose five years of your no-claims bonus each time you claim damage. You’ll pay the associated premium in the new insurance year.
"}},{"componentType":"accordion","accordionList":[{"title":"Calculation example: reduction of no-claims bonus","richBody":{"value":"Your maximum no-claims bonus is based on driving without damage for 15 years (even if your policy schedule may state more).
Calculation example:
Reduction for 12-year no-claims bonus: 12 - 5 = 7 years no-claims bonus
Reduction for 20-year no-claims bonus: 15 - 5 = 10 years no-claims bonus
Reduction for 3-year no-claims bonus: 3 - 5 = -2 years no-claims bonus
If you’re considering taking out company car insurance with us, and you’ve driven a leased (business) vehicle before, it may not be possible to check your no-claims bonus in this national database.
"}},{"componentType":"accordion","accordionList":[{"title":"How to tell us about your no-claims bonus","richBody":{"value":"If your chosen start date for company car insurance is no more than three years after your lease has ended, you can make use of a lease statement. You can request this from the lease company or companies you had the lease with. We will need the following information, so this should be on it:
The start and end dates of the lease
Your details as the lessee
How many times you had damage and the amounts involved, and whether the damage was recovered from the other party
The name and signature of the lease company
Send all of this to documents@allianzdirect.nl. We will add up your no-claims bonus if:
The statements do not overlap
There is no more than one year between successive statements.
You can only use your no-claims bonus on the lease statement for your own insurance, not for your partner’s.
"}}]},{"componentType":"paragraph","richBody":{"value":"Terms and documents
This insurance is taken out with Allianz Direct through ING. You can apply, change your coverage or make a claim in My ING Business or the Mobile Banking App. The insurance is underwritten by Allianz Direct, which means that they will collect your premium and pay out any successful claims.
Below you can find more information on the partnership and the policy conditions of this insurance. Read these documents carefully and save them.
"}},{"componentType":"accordion","accordionList":[{"title":"Partnership with Allianz Direct","richBody":{"value":""}},{"title":"Company car insurance of ING policy conditions","richBody":{"value":""}},{"title":"Company van insurance of ING policy conditions","richBody":{"value":"
"}}]},{"componentType":"highlight","title":"Why insure your business through ING?","richBody":{"value":"