An insurance policy but too much damage
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Too much damage and still get insurance
When you have claimed a loss on your insurance policy that cannot be recovered, you will generally fall back on your claim-free years. It is possible that you end up in the so-called malus; you then have fewer claim-free years than you started with.
In that case, there are few companies willing to accept you and you generally end up with insurance from the Vereende. This is a fine solution but often an expensive one.
In many cases, we at GeenNee.nl still have the possibility to insure you at the "regular" rate, which gives you a lower premium than at Vereende.
What are claim-free years?
Each year you do not claim, you build up one claim-free year. As long as you do not claim any damage with your insurer, you build up claim-free years during the term of your car insurance. With these claim-free years you will receive a premium discount on your car insurance. The more claim-free years you build up, the more premium discount you will receive. Read more about claim-free years here.
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