In a moped insurance you build up claim-free years. Can you also transfer the accrued years to a car insurance policy? This has the advantage that you can reduce the premium for the car insurance. Especially for young people who have never had a car insurance in their name before.
By driving claim-free you build up claim-free years in the moped insurance. Once you have your driver’s license, you will probably want to exchange the moped for a car. When taking out insurance, you will find out that some insurers split a high premium in the stomach for young drivers without a demonstrable damage-free history. With the years you have accrued in the moped insurance, you can limit the financial loss. Unfortunately, most car insurers do nothing with the years accumulated in a moped insurance.
Why are claim-free years important?
Insurers reward damage-free driving with a discount on the premium. The longer you drive claim-free, the more you are entitled to a higher discount on the premium. The discount can be as much as 75 percent with most insurers. There are even insurers that allow the discount to rise to above 80 percent. You can find cheap moped insurance at Diks.
How do car insurers deal with these claim-free years?
Years built up in moped insurance have little value for car insurance. They are not taken into account when determining the premium for car insurance. According to insurers, the driving experience on a moped has little effect on the risk of an accident with a car. Unfortunately, the years accumulated on the moped are of no use to the car.
What can you do with the claim-free years accrued on the moped?
Unfortunately not much for car insurance. You can use them again if you insure a scooter or moped in your name. Please note that the accrued years are not valid indefinitely. They can expire after a number of years.
How can you insure yourself cheaply as a young novice driver?
Young people often choose after buying their first car to opt for an insurance company with which the parents are also insured. Often that is not wise. Many insurers charge a sky-high premium for novice young drivers. Up to the age of 24, extra high premiums often apply, because this age group causes relatively more damage. However, that does not mean that you have to spend a high monthly amount in premium for car insurance. The amount of the premium differs greatly per insurer. By comparing on Diks.nl you can still arrive at a reasonable premium.