The bonus-malus or no-claims bonus system is used to assess the risk presented by each driver and adjust insurance premiums accordingly. If you drive carefully and don’t cause accidents, you will reduce the cost of your insurance premium. On the other hand, if you are responsible for causing accidents, your insurance premium will rise. In short, the more responsible you are, the lower your insurance premium will be.
"}},{"componentType":"sectionTitle","title":"How is the bonus malus calculated?"},{"componentType":"paragraph","richBody":{"value":"The price of your car insurance will first of all be set on the basis of a number of characteristics:
The number of claims-free years is then calculated using the number of years you have been driving and any previous claims you have made as a policyholder and usual driver of the vehicle.
The insurance premium will be adjusted each year when the contract expires, depending on the number of claims that have or have not occurred during the year. Only accidents at fault or shared fault, i.e. accidents for which you are held liable and for which we have to pay compensation to the injured parties, will result in an increase of the premium.
You will benefit from a reduction for "claims-free driving" if, at the end of the annual contract, it becomes clear that you have not caused any claims during the past year. The maximum reduction is applied after 5 claim-free years.
"}},{"componentType":"highlight","title":"Tip","richBody":{"value":"Know that it is possible to take out the "premium protection after claim" option. This option guarantees that your premium will not increase after your first claim. You can take out this additional cover as soon as you have been driving for more than 3 years without a claim.
"}},{"componentType":"sectionTitle","title":"Fictitious example based on a premium of 100 euros:"},{"componentType":"applicationProcess","body":"The scenario below applies for Third-Party Liability and Comprehensive Insurance (see also Article 65 of the General Terms and Conditions):","steps":{"stepList":[{"title":"Let's assume that you have more than 5 claims-free years when you take out your car insurance.","body":"In that case, you would immediately benefit from the most advantageous premium in terms of the number of \"claim-free years\". In this example, you would pay 100 euros for your Third-Party Liability and Comprehensive Insurance. If you haven't had a claim for 3 to 4 years when you take out your car insurance, you'll pay 112 euros for Third-Party Liability Insurance and 106 euros for Comprehensive Insurance right from the start. The longer you go without a claim, the lower your premium will be."},{"title":"In the next case, you are unlucky and cause an at-fault accident","body":"You lose the no-claims bonus and your premium increases from the next contract renewal date. In this example, from the next renewal date you will pay 135 euros for Third Party Liability and 118 euros for Comprehensive Insurance (=0 to 1 year without a claim)."},{"title":"If you have a second at-fault accident in the same year","body":"Not only will you lose the \"claim-free years\" discount (point 2), but your insurance premium will be increased by a further 25%."}]}},{"componentType":"sectionTitle","title":"How much will my car insurance premium increase in the event of a claim?"},{"componentType":"paragraph","richBody":{"value":"It's not easy to give a simple answer to this since rate increases are subject to various factors. In any case, you will receive all the information about the rate change (if any) at the main renewal date of your insurance contract. If you need information before the contract renewal date, you can send an email to mobility@nn.be
"}},{"componentType":"sectionTitle","title":"Questions about your contract?"},{"componentType":"paragraph","richBody":{"value":"If you would like to know the exact status of your contract and/or if you already have an older contract, please contact NN at mobility@nn.be.
"}},{"componentType":"sectionTitle","title":"Discover more about our different options"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What is third-party liability (RC) car insurance?","body":"The third-party liability cover is compulsory when taking out any car insurance and is a conditio sine qua non for driving safely. But what exactly does it cover? Follow our guide!","image":{"transformBaseUrl":"https://assets.ing.com/transform/e9b061a0-a12e-448b-9bfc-889c9cc99408/Carinsurance_Woman","type":"image","width":814,"original":"https://assets.ing.com/m/1d7e3aa092aebc9/original/Carinsurance_Woman.jpg","extension":"jpg"},"date":"2023-08-04","link":{"url":"/en/individuals/insurance/insure-my-car/third-party-liability-car-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What is mini-comprehensive car insurance?","body":"Mini-comprehensive or mini-omnium car insurance is optional and supplements your Third-Party Liability insurance, which is compulsory.","image":{"transformBaseUrl":"https://assets.ing.com/transform/68dbd4db-78da-432e-a1df-cd92b5faeaea/Young-girl-helps-father-wash-car-in-driveway","type":"image","width":6016,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/12961d276c01535a/original/Young-girl-helps-father-wash-car-in-driveway.jpg","extension":"jpg"},"date":"2023-07-17","link":{"url":"/en/individuals/insurance/insure-my-car/mini-comprehensive-car-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Understanding comprehensive car insurance","body":"Comprehensive or omnium insurance is the car insurance option that offers maximum cover. It’s therefore particularly suitable for new cars or recent vehicles (less than 5 years old), whether second-hand or not.","image":{"transformBaseUrl":"https://assets.ing.com/transform/69144cc0-7117-4031-afc2-5973f8d865bc/Curly-haired-young-man-playfully-tries-to-lift-an-old-Fiat-Cinquecento-parked-in-the-street","type":"image","width":5616,"original":"https://assets.ing.com/m/7f6abbc609632fcc/original/Curly-haired-young-man-playfully-tries-to-lift-an-old-Fiat-Cinquecento-parked-in-the-street.jpg","extension":"jpg"},"date":"2023-08-04","link":{"url":"/en/individuals/insurance/insure-my-car/comprehensive-car-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"The driver insurance option: what’s it really for?","body":"Driver's insurance is not compulsory, but it ensures that you can count on compensation as a driver even when you yourself are at fault in an accident.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c4ec4a21-be1a-4d1b-94b0-a5767eeba2ee/Dog-seated-in-car-driver-seat","type":"image","width":4096,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/ab80c8ffd391821/original/Dog-seated-in-car-driver-seat.jpg","extension":"jpg"},"date":"2023-07-17","link":{"url":"/en/individuals/insurance/insure-my-car/driver-insurance"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also consider"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Our tips to find cheap car insurance","body":"The price of your car insurance depends on several characteristics. Which ones exactly and when you have to pay more or less, you can discover here.","image":{"transformBaseUrl":"https://assets.ing.com/transform/2110ed7d-347a-4bbc-ab02-969ce8f24598/Close-up-rear-view-of-hands-on-car-head-rest","type":"image","width":5616,"original":"https://assets.ing.com/m/ad3e6f2adbb8dc4/original/Close-up-rear-view-of-hands-on-car-head-rest.jpg","extension":"jpg"},"date":"2023-08-18","link":{"url":"/fr/particuliers/assurer/assurer-ma-voiture/payer-son-assurance-auto-moins-cher"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What should you do in case of a car accident?","body":"Discover the video","image":{"transformBaseUrl":"https://assets.ing.com/transform/bddd4272-f132-469f-af12-16b4940f5b97/car-insurance-after-claim-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/294b30c580f9dfdd/original/car-insurance-after-claim-1920.jpg","extension":"jpg"},"date":"2020-09-25","link":{"url":"/en/individuals/my-life/mobility/car-insurance-claim"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Check-list for buying a car","body":"New or second hand? Petrol, diesel or electric? We give you some useful tips to consider.","image":{"transformBaseUrl":"https://assets.ing.com/transform/958b0864-458c-4af1-848a-4b2e46170541/first-car-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/bf3aa28fcc1f00/original/first-car-1920.jpg","extension":"jpg"},"date":"2025-07-02","link":{"url":"/en/individuals/my-life/mobility/buying-first-car"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"An overview of your insurance policies?","intro":"View all your contracts online via Home'Bank","image":{"transformBaseUrl":"https://assets.ing.com/transform/cc64a0d0-847d-40ca-89f6-b071ca5a51e8/manchild","type":"image","width":814,"original":"https://assets.ing.com/m/7797498d80d9cd4b/original/manchild.jpg","extension":"jpg"},"link":{"url":"https://ebanking.ing.be/en/retail/insurance?standalone=true"},"linkText":"Insurance"}]}]}}}