The no-claims (SF) class that applies to you can be found on your last contribution invoice. 

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

This data may differ depending on the insurer and the policy holder.

Case study: 

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 €.

You can easily calculate your no-claims (SF) class yourself if you know how many years you’ve been driving (without damage or accident) and how long you’ve been insuring a vehicle. Add the two numbers, subtract 1, and you’ll have an idea of what your no-claims (SF) class is.

To be on the safe side, you can find your current and actual no-claims (SF) class on your last invoice from your current or previous insurer. 

If you 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.

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