The no-claims (SF) class that applies to you can usually be found on your last invoice. If you are unsure or have claimed the costs of a damage or accident in the past, it is best to contact your insurer to find out your current no-claims (SF) class. As there SF classes for the liability insurance and the fully comprehensive insurance may differ, please enquire about both SF classes (more details on why they might differ here).

Check out the example table below to see examples of your no-claims (SF) class and the discount that may apply.

Let’s say, for example, that your insurance premium is 400 € per year.

If you drive for four years with no accidents, you will be in no-claims class SF4 and will receive a no-claims bonus of 35% on your premium. With a no-claims discount of 140 €, your premium is therefore reduced to 260 €.

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