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.

Did this answer your question?