Mobility and road safety

More transparent about claim-free years

If a motor insurance policy is cancelled, the insurer will enter the accrued claim-free years in Roy-Data. The insured will then receive a confirmation. There is often a lack of clarity about the number of claim-free years. For example, it turns out to be lower than the insured expected. The cause? They do not know the insurer's calculation (bonus/malus ladder) or are not aware of the possible setback after damage.

To make claim-free years more transparent, the Association and the Foundation for Efficient Processes for Non-Life Insurers (EPS) are working on a system that gives policyholders and insurers real-time insight.

Read about the Transparent Claim-Free Years project and view the resources for insurers.

Initiatives of the Association

The Association's efforts are aimed at vulnerable road users and at a better registration of road accidents. To this end, the Association concludes so-called Safety Deals with other parties that want to contribute to increasing road safety. Because prevention is better than cure, we put problems on the agenda, bundle knowledge and experience and set out actions together. At the moment, there are three Safety Deals:

• Young drivers
  Young drivers are five times more likely to be involved in a road accident than experienced drivers. The Safety Deal stems from the Trials driving skills training, which teaches young people to recognise dangers in traffic and to react correctly in emergency situations, such as skidding or emergency braking. Research shows that participants cause more than a quarter less WA damage.
  Parties involved: provincial road safety bodies, Univé, ZLM insurance and the Dutch Association of Insurers.
  
  
• Older drivers
  Older drivers are also vulnerable in traffic. They are more likely to be involved in an accident than other road users. Also, the physical consequences are often more serious. The Association supports the Refresher Course of Safe Traffic Netherlands, which consists of an online traffic test, courses in the neighbourhood and a practical test in your own car.
  Parties involved: VVN, ANBO, ZLM verzekeringen, a.s.r. Allianz, AllSecur and the Dutch Association of Insurers.
  
  
• Smart Traffic Accident Reporting (STAR)
  Reliable accident figures are of great importance for the development of road safety policy. Together with other parties, the Association is working to reduce the under-registration of traffic accidents, in particular by encouraging damage reports via MobielschadeMelden. In this way, the causes of road accidents can be identified. In addition, it becomes clear which locations are unsafe and the visibility of vulnerable road users improves.
  STAR is an initiative of the National Police, traffic engineering ICT agency VIA and the Dutch Association of Insurers.

The Safety Deals offer insurers the opportunity to contribute to more safety on the road with their knowledge of risk and prevention. Does your insurance company – affiliated with the Association – want to support one of the Safety Deals ? Please contact us at info@verzekeraars.nl!

Direct claims handling

(Also) For several years now, third-party insured persons have been reporting damage directly to their own insurer. These are customers whose damage was caused by another motor vehicle, for which that driver is liable. This type of claim can be dealt with more quickly and easily.

Curious to know more?