The damage liberty discount is a term from the motor vehicle insurance. The damage liberty discount becomes in the tariff provisions (abbreviation: TB) regulated.

Depending upon number of harm-free driven years a discount is granted to the insurance customer on the determined basic premium. Here the harm-free years are counted separately according to the vehicle full insurance (insurance against all risks) and the motor vehicle liability. For the vehicle part insurance (Teilkasko) there is no damage liberty discount. For the vehicle part insurance 100% of the basic premium are accordingly always paid.

Insurance change/transmission of the damage liberty discount

In case of a change of the vehicle insurance the damage liberty discount and/or rate of contribution will not transfer to the new insurer. Rather the new insurer inquires the number of harm-free years of the previous year and the number of damage at the previous insurer. The new insurer makes then in accordance with his own tariff provisions the re-classification and determines the height of the rate of contribution in case of insurance changes can it be advisable to clarify before the change the classification since only so the actual discount and thus that contribution actually which can be paid can be determined. For this reason an insurer change can reduce or prevent even a discount loss after an accident.

Demotion in the case of loss

In case of a damage at the beginning of the next insurance yearly a certain number on harm-free years are taken off. This happens separately according to Kfz liability and vehicle full insurance (insurance against all risks). Damage in the vehicle part insurance (Teilkasko) does not affect itself. The number of taken off harm-free years the respective tariff provisions of the insurer regulate with that the customer at the beginning of the new insurance yearly insured are, also demotion table mentioned. The new damage liberty discount results from the number of the remaining harm-free years.

For this reason an insurer change can reduce or prevent a discount loss after a damage even after an accident.

Some insurance companies offer usually against multi-contribution a so-called "„discount protection "“, which protects in the case of damage against the demotion into a more unfavorable damage liberty class.

Transmission of harm-free years

If a person drove over another person insured vehicle regularly, then she can leave herself transferred the actually experienced harm-free years. During a transmission of these years a fictitious computation with the identical contract and damage process is provided. Special classifications (secondary car, etc.) are not taken into account and/or are not taken over, as also by other experienced time-period of insurance. Such a transmission is in principle only between marriage partners and used 1. Degree possible.

Discount loss with insurance interruption

Insurance interruptions of up to 6 months are treated in such a way, as if they would not have taken place. At more than 6 months up to 7 years a classification takes place, how it existed before the interruption. At more than 7 years (= 7 years + 1 day) a complete discount loss takes place, as if ever a discount would not have existed (ask in addition the note on the discussion side to consider).

Related links

• Determination of the demotion in the case of loss
• Information to the damage liberty class
• Tabular overview of the damage liberty classes

Articles in category "Damage liberty discount"

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