Car insurance: take over percentages
Damage-free class – the reward for accident-free driving
Year after year, car insurance lowers the percentage that an insured person has to pay for his insurance – provided that he did not have an accident in the respective insurance year that the insurance company had to regulate, i.e. pay for. Every year corresponds to a damage -free class ( SF class ), the highest is SF class 25: 25 years of uninterrupted accident-free driving means the greatest possible discount, after that there is no further discount, only the possibility of once regulating an accident through the insurance company leave without the SF class being downgraded. The grandfather can transfer the acquired SF class to a relative, for example his granddaughter.
Fundamentals for taking over the percentages
How different percentages are transferred from a non-loss class is handled very differently by different insurers. A general answer can only be very incomplete – so please inform yourself at the respective insurance company with which the contractual relationship exists, how the transfer is regulated there.
Non-loss classes can be transferred, for example, within a close relationship: a family relationship or a civil partnership. In the example mentioned at the beginning, the percentages would pass to the granddaughter – with one significant limitation that applies to most insurers equally: The granddaughter can be categorized into the SF class that she has based on the length of her license. Those who have only had their driver’s license for three years cannot enter SF class 10!
One-way street – percentages can only be taken over once
In some cases, the transfer cannot be undone. That means: Should grandfather one day want to get behind the wheel of his own car, he starts from the insurance point of view as a novice driver – his old SF class now has the grandchild, at least it has the share that it would theoretically have had an experience yourself.
In the event that grandfather has died, you can only enter into the contract within one year of his death: the son, daughter, grandchildren can therefore take over his contract on the condition that the remaining heirs agree to this takeover. The consent must be documented in writing.