The no-claims (SF) class determines the contribution classification of a driver.
Similar to the no-claims discount in the UK, the SF class depends on previous damage and the driver’s number of accident-free years.
The SF class determines how much no-claims discount (Schadensfreiheitsrabatt) a driver receives on their insurance premium. The higher the no-claims (SF) class, the higher the discount you’ll receive.
Your SF class may be different in liability and fully comprehensive insurance if you held both with your last insurer.