Bonus-malus

The damage bonus (abbreviated SFR) is originally a term from the car insurance. The longer a policyholder without damage goes, the higher will be no claims bonus, expressed by the SF class. In a similar way, the system is now also available in other lines of business application, such as sick - full and supplementary insurance, home insurance, personal liability insurance ( PHV ), Home Insurance, broken glass insurance and legal expenses insurance.

SFR in the car insurance

In the car insurance found in the lines of insurance automobile liability insurance and comprehensive insurance (see insurance ) a no-claims bonus system application. The respective claims classes are highlighted in contribution rates, which have evolved differently in the motor insurers since deregulation in 1994. The contribution rates to the claims classes must thus be taken from the insurance conditions of the individual insurers.

Was still in the 70s for cars the highest SF level 10 due to the now existing long-term statistics of the damage data, created by the Association of German Insurance Association ( GDV), are claims classes now up to SF Class 35, occasionally even beyond. performed.

Among other things, act in addition to the regional and class type class various other features, such as the age of the driver, the vehicle age, annual mileage, etc. on the insurance premium. Other features see: post design cars.

Claims classes and the damage class

The construction of the claims classes (cars ) ( "Remarks" without consideration of special classifications ):

In the course of no claims in the class M is directly the claims category reaches 1 To come directly from the class 0 to class SF 1, the contract must already at 1.1. have passed the year. To come directly from the SF ½ class in the class SF 1, the contract must have existed for at least 180 days a year. In order to achieve an early Weiterstufung from the classes 0 and SF ½, insurers allow a so-called technical back-dating of the insurance, such as insurance effective at the beginning of 1.2. in class 0, backdating to 1.1. How far backdating worth, must be calculated in each case. A backdating is then in vain when a rücksstufungswirksamer damage is caused. A later correction is not possible.

Contribution rates

Until the deregulation of 1994, the insurer related same contribution rates in the SF- classes, then these developed differently. Was the contribution rate in the class SF 1 default 100 %, which was also the basis for calculation the same time, order now almost all insurers Class SF 1 a contribution rate of 60 %, in some cases also 50 %, too. This procedure ensures that competitors, assign the higher contribution rates, look visually worse. The effects go up to the highest SF class, for example, is the rate of contribution of an insurer in 20% of the SF 35 class, a competitor 16%. A percentage of the contribution this distance corresponds approximately to between 60% and 50%.

The background to this market trend is that customers often put on the contribution rate value, as to avoid the SF class and an insurer changes, provided that deteriorates the contribution rate.

Demotion in case of damage

When the no-claims discount stressful damage demotion to the first due date of the following year to take effect. This is done separately for motor vehicle liability insurance and vehicle comprehensive insurance ( collision damage waiver ). Each insurer sets its own demotion tables, but relies on the data provided by the GDV available. Nevertheless, there are differences, especially at different lengths of the respective SF squadrons. Therefore, should be compared with a stressful damage in the current calendar year and a planned insurance exchange, demotion tables of the pros and the ( planned ) Nachversicherers.

Insurers change

With a change in the insurance undertaking of the previously experienced claims bonus is transferred to the new insurer via data medium exchange. The Nachversicherer gets ceding the number of claim-free years, reported the number of losses of the previous year and the current year. If there are no damages incurred during the current calendar year, he took over the SF class of Vorversichers, upon policy inception 1.1. the next higher SF class because the ceding always the data by 31.12. transmitted. Find the insurance exchange instead of the current year and are downgrading effective damage in the current calendar year incurred, the Nachversicherer applying the specified SF class, but classifies the first due back in the new year according to the demotion table that is associated with the valid the contract at the conclusion of insurance conditions.

To avoid a downgrade, it may be cheaper to pay a damage itself. A blanket statement as to when a buyback worth, but can not be delivered because the future development of an automotive contract, eg due to a change of vehicle has not been established with full insurance coverage.

Discount protection

Almost all insurers now offer a so-called discount protection. The discount protection is chargeable. The additional contribution is determined by a surcharge on the basic contribution. In a stressful damage contract either remains in the same SF- class or even further promoted. The deal with the insurer different. For many insurers, the discount is only offered protection from the SF class 4. Even for young drivers ( up to 25 years ) is either not offered the discount protection or only with a significantly higher surcharge. Changes to the insurance company, however, is the " rescued SFR " does not confirm to the insurer. It is confirmed the SF class, which would be available under the underlying contract demotion table without the discount protection.

Discount savior

Existing contracts often include a rebate savior. The insurer, which introduced a discount protection or 25 lead the SF classes through the class with SF then further reduced contribution rates do not offer more discount savior. The discount savior, if they still exist, applies only to contracts that have reached the SF class already 25 or higher (same contribution rate ). Then a downgrade in case of damage in an SF class, in which indeed these changes, but not the contribution rate.

Repurchase

The downgrade, depending on the insurance conditions are avoided within six or 12 months upon payment of indemnification ( external claims settlement costs), even if the insurer has already regulated the damage. This is standard in the automobile liability insurance, but many insurers now offer this possibility in the comprehensive insurance on.

• In case of damage to 500 € the insurer 's automobile liability insurance required to make the policyholder of the possibility of repurchasing attention.

Acquisition of third party contracts

The adoption of a no-claims discount by another person (formerly TB 28) is tied to specific market-wide, but also different criteria. With most insurance companies, the discount transmission by a third party ( Transfer ) to another person ( About CompaniesRecent ) is only possible if there are, among others, the following requirements:

• The Transferee has to show that he has the vehicle of the transferor not driven only occasionally.
• The transferor must agree to this transfer. However, it is also a transfer after the death of the transferor, by submitting a death certificate, possible.

Other requirements are handled differently by the insurers and can be found in the insurance conditions for it.

The amount of the rebate depends übernehmbaren the contract and claims experience of the third. Thus, the Transferee shall only take on so many claim-free years, as he actually could have reached. Decisive is the date of issue of the license. example:

Agreement of the third party (as of 7.2013 ): SF 10 with no claims history since 2007

The Transferee has acquired his driving license on 15 April 2007.

Calculation:

The Transferee would have begun on 15 April 2007 in the SF class 0

Thus would be transferred in this case 5 claim-free years. The difference to SF 10 for the transferor shall be forfeited without compensation.

If an SFR burdensome damage occurred during the calculation period, this is considered in the calculation, as if it had been caused by the Transferee. The main factor is the current downgrade table of the insurer, not valid at the time of the damage.

A return transfer to the transferor is possible only between husband and wife. In other circumstances, not because it was the prima facie case of transfer is that the Transferee has the vehicle is not driven only occasionally. If later on, once this SFR are transferred to another person, only the portion can be transferred, which was acquired since the last transmission.

If one its SFR eg when receiving a company car available to the employer, you should clarify in advance with the client and the insurer that you shall be deemed SFR Authorizer. Thus, one can fall back upon return of the company car to its then existing SFR.

Impact of disruptions on the SFR development

• At an interval of up to 6 months, the SFR is treated as if no interrupt had taken place.

• If more than six months to seven years of the contract remains in the SF class in which it was located upon contract termination.

• After 7 years, the SFR is considered forfeited.

Second car insurance

If another vehicle insured on the same policy holder or marriage partner, almost all insurers offer a better entry than the SF- class ½. Some insurers even offer, provided that the vehicle is generally driven by one person to lead the second car in the SF class in which also the first vehicle is located. However, this is done in case of damage was caused regardless of the damage with which vehicle, getting a demotion to two contracts.

Legal expenses insurance

Meanwhile, there are also legal expenses insurers that provide a no-claims discount for no claims history. It can be distinguished from claims bonuses two ways: either the discount affects the premium or at an agreed deductible. In both cases, an increasing claims of freedom acting lowering effect on premium or deductible.

Private health insurance

Generally

Performance Freedom Discounts are now offered from isolated insurers in the private healthcare insurance. If no benefits from the insurer be taken advantage of, so no bills are submitted, the policyholder receives an annual increase in discount ( five percentage points per year ), which can lead to savings of up to 50 % of the regular fee.

It should be noted here that this discount similar to the car insurance, only slowly (eg ten percentage points per year to receive benefits ) is reduced.

That and the fact that it is a contractually guaranteed contribution reduction for claims discount, has great advantages over the previously known and customary premium refunds.

Another innovative form of the premium reduction in performance freedom of the policyholder, is the lump-sum.

Special

• For policyholders who receive an employer subsidy to private health insurance, it should be noted that the subsidy under certain circumstances can also reduce by a performance bonus, as so reduced, the total contribution. Then the lump sum benefit is even more interesting for this group.
• The claims discount can not currently be transferred to another insurer.