{"type":"document","data":{"id":"6f7ff6b1-68fd-4126-b32a-1d8f24c6dc50","localeString":"en-GB","publishDate":"2026-03-13T17:29:53.283+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"If you don’t file a claim for a year, you’ll be rewarded with an extra claim-free year and receive a higher discount on your car insurance. Read more."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"ING Car Insurance, like other car insurance policies, uses a no-claim discount table to determine how many claim-free years you have. The number of claim-free years determines your no-claim discount. If you don’t file a claim for a year, you’re rewarded with an extra claim-free year and receive a higher discount. If you do file a claim, you lose claim-free years and your discount decreases.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/eb5122c7-6bf6-458b-a834-436371ead935/Cheerful-woman-with-a-hat-making-a-peace-sign-in-the-car-while-listening-to-her-phone","type":"image","width":4896,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/2b51c4feaa188716/original/Cheerful-woman-with-a-hat-making-a-peace-sign-in-the-car-while-listening-to-her-phone.jpg","extension":"jpg"},"title":"No-claim discount car insurance"},"backLink":{"textLink":{"url":"/en/personal/insurances","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>Under Dutch law, so-called vulnerable road users, such as pedestrians and cyclists, receive extra protection. After all, they are more likely to be injured, hospitalized, or even killed in traffic accidents. This means that if you, for example, hit a cyclist, you may be required to compensate part of the damages. Even if the accident wasn’t your fault.</p>"}},{"componentType":"paragraph","richBody":{"value":"<p>For example: you hit a cyclist who suddenly darts into the road from between parked cars. The cyclist wasn’t paying attention to you at all, and from your car, it was impossible to see them coming. According to the Dutch Road Traffic Act, you as a motorist are still required to compensate at least 50% of the cyclist’s damages, because you’re considered a ‘stronger’ road user.</p><p>In this situation, ING customers benefit from a special arrangement: the No blame – No claim policy. Since you’re not at fault for the damage, your no-claim discount remains unaffected. You won’t lose any claim-free years, and your premium won’t go up.</p>"},"textLinks":[{"url":"/en/personal/insurances/car-insurance","text":"Back to ING Car Insurance"},{"url":"/en/personal/insurances/car-insurance/no-blame-no-claim","text":"More about claim-free years"}]},{"componentType":"linkList","iconTitle":{"title":"Also relevant:"},"textLinks":[{"url":"/particulier/verzekeren/autoverzekering/autoblogs","text":"To the car blogs"},{"url":"/en/personal/insurances/car-insurance/what-is-the-bonus-malus-system","text":"What is the bonus-malus system?"}]},{"componentType":"linkList","iconTitle":{"title":"Insurance"},"textLinks":[{"url":"/en/personal/insurances/annual-travel-insurance","text":"Travel insurance"},{"url":"/en/personal/insurances/car-insurance","text":"Car insurance"},{"url":"/en/personal/insurances/home-insurance","text":"Home insurance"},{"url":"/en/personal/insurances/liability-insurance","text":"Liability insurance"},{"url":"/en/personal/insurances/legal-expenses-insurance","text":"Legal expenses insurance"},{"url":"/en/personal/insurances/student-insurance","text":"Student insurance"},{"url":"/en/personal/insurances/czdirect-health-insurance","text":"Health insurance"},{"url":"/en/personal/insurances","text":"All insurance"}]}]}}}