Each year you don not file a claim on your car insurance, you build up a no-claim discount. With every claim-free year, you move up a step on the bonus-malus scale and your premium discount increases. If you do file a claim, you move down the scale and lose part of your no-claim discount.
Important: you only start accumulating claim-free years once you take out a car insurance policy.
"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/what-are-claim-free-years","text":"All about claim-free years"}]},{"componentType":"accordion","accordionList":[{"title":"Bonus: explanation of the scheme","richBody":{"value":"Each year you do not file a claim, you move up one step on the bonus-malus scale. This way, you gradually build up a higher premium discount. If you have 20 or more claim-free years, you’ll receive the maximum discount of 80%.
"},"textLinks":[{"url":"https://assets.ing.com/m/1200154b535301fe/original/Polisvoorwaarden_ING_Autoverzekering_NL.pdf","text":"Car insurance policy terms and conditions (PDF)"}]},{"title":"Malus: explanation of the scheme","richBody":{"value":"If you file a claim, you lose claim-free years. For each claim, you drop 5 years (steps) on the bonus-malus scale.
The following situations may apply:
Good to know: At -4 claim-free years, you’ll already pay less premium than at -5 claim-free years.
"},"textLinks":[{"url":"https://assets.ing.com/m/1200154b535301fe/original/Polisvoorwaarden_ING_Autoverzekering_NL.pdf","text":"Car insurance policy terms and conditions (PDF)"}]},{"title":"What happens when you file a claim?","richBody":{"value":"First of all, Nationale-Nederlanden will of course handle the claim for you as best as possible. You’ll be informed automatically if you drop steps on the bonus-malus scale. This often happens if you were responsible for the damage.
"}},{"title":"Do you always drop steps on the bonus-malus scale when you file a claim?","richBody":{"value":"Not always. There are several situations in which you do not drop on the bonus-malus scale and your premium doesn’t increase:
The family car scheme applies to your own additional car(s), your partner’s car, and/or the car(s) of your children living at home. With ING’s car insurance family scheme, you and your partner and/or children can insure up to 3 additional cars under one of your names. The benefit of this scheme is that each additional car insurance receives a 5% discount, including on the premium for the additional modules. The condition is that everyone using the family scheme must live at the same address.
"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/car-insurance-for-second-vehicle","text":"Read more about insuring a second car"}]},{"title":"Impact of a claim on the family car scheme","richBody":{"value":"Do you have damage to one of your cars insured with ING Car Insurance? For example, because you hit a pole while parking? Then this has no impact on the amount of the no-claim discount on your other ING car insurance policies.
"}}]},{"componentType":"paragraph","title":"No car insurance yet?","richBody":{"value":"Hit the road with peace of mind and choose the coverage that suits your car. Discover everything about ING Car Insurance and take advantage of the benefits: