Tricky Steps In Non Owner SR22 Insurance

By regularly comparing car insurance, you can save a lot of money. The premium of a Non-Owner SR22 Insurance not only differs per car insurer but also depends on many other features. For example, consider the coverage, your place of residence, your age, and what kind of car you have.

How Is The Premium Determined?

The Premium Of Your Non-Owner SR22 Insurance Is Determined By:

  • Your age
  • Residence
  • How many kilometers you drive
  • Your claims history and claims

Some car insurers look at your house number for the premium and even the house number addition. The make and year of your car also play a role. The coverage of your Non-Owner SR-22 Insurance also plays a role. The limited airframe insurance and the full airframe insurance are more expensive than third-party Non-Owner SR22 Insurance.

Non Owner SR22 Insurance

What Affects The Amount Of The Premium?

Additional Costs

Car insurers charge a number of costs. These are usually added to the premium. These costs can amount to up to $ 36 per year.

Possible Additional Costs:

Policy costs for drawing up the policy. These vary from $ 6 to $ 15 for taking out or changing the insurance. You pay collection or transaction costs per payment. These range from $ 1.25 to more than $ 3 per payment. If you pay per month, you pay those costs 12 times. It usually does not matter whether you pay or direct debit. You pay termination or cancellation costs when you cancel the Non Owner SR22 Insurance.

New Customers Versus Existing Customer

Insurers can charge a different premium for new customers than for existing customers, for the exact same policy. This is not prohibited, but the Consumers’ Association considers this undesirable and opaque. So compare prices and conditions at least annually.

Bonus Ladder

At almost all insurers you get a discount or bonus on your car premium if you drive damage-free. If you still claim 1 or more damages in a year, the premium can go up considerably. Car insurers use bonus tables that you will find in the terms and conditions. The number of claim-free years counts strongly for the premium.


With a new car or a claim for damages and after a move, you may experience a higher premium. With a large number of insurers, the premium also increases at an age from 65 years. And also young people under 24 often pay a lot more for their premium than more experienced drivers.

Kilometers Per Year

Dutch drivers drive about 12,000 kilometers a year. If you drive a lot of kilometers every year , it often also means paying a higher insurance premium than someone who drives little. The premium differences can amount to up to 600%. With some car insurers it sometimes pays to drive less.

Increase In Premium By Insurer: Is That Allowed?

Most non-life insurance contracts are limited to a maximum of one year. Insurers can change the conditions and premium in the interim i.e. not on the ‘contract expiry date’, but during the term of the insurance. They do this on the basis of a so-called en-bloc clause, which is stated in the conditions. You should receive timely and clear information about such an adverse change. However, no period has been set for insurers to adhere to.

You can cancel immediately after an adverse policy change by the insurer. Do this within 30 days after the message about this. If you have already paid premium, you will receive it proportionally including insurance tax. Sometimes administration costs or cancellation costs are charged.

The Best Non Owner SR22 Insurance For You

Quickly and easily see which policy and coverage best suit you and your car.

Premium Up: Take Action!

Demand a clear explanation of the change in premium: you are entitled to this as an insured. After an increase in premium, check whether you are better off elsewhere: compare the conditions and premiums of Non Owner SR22 Insurance. Check via the insurer’s website and online comparator what a new customer pays at the insurer. Is that less? Ask the insurer for clarification and for the lower premium.

Complain in a written but also open manner, such as via social media or a complaint compass. Threat with a switch if necessary. If necessary, go to the complaints desk, this is free. In case of cancellation, make sure that you get back the premium already paid including insurance tax.

Negotiate Price And Commission

Insurers incorporate the intermediary’s fee (commission) into the Non Owner SR22 Insurance premiums. Non-life insurance commission varies considerably from 10% to more than 25% of premiums. This is evident from a tour among non-life insurers that work with intermediaries. With this information you can negotiate the price with advisors. If you are going to talk to your insurance advisor, also ask what services you can expect.

Tips To Save On Your Non-Owner SR22 Insurance Premium:

  • Those who place multiple insurances with 1 insurer can often receive a package discount.
  • Paying the premium a year in advance often results in a premium discount of a few percent.
  • If you drive less annually than ever specified, wages can adjust the average mileage. The premium may then decrease. Costs may be charged for changes that are not made on the contract expiration date.
  • If you have a second car, a second family car scheme can be beneficial.
  • Do you share the car with others? Even then it is smart to see what options insurers offer for this.
  • Is the ‘new driving’ perfect for you? Then you can also see whether driving style insurance is beneficial for you.
  • The private leasing is growing in popularity. The Non Owner SR22 Insurance is included as standard in the lease price. Check the advantages and disadvantages before you conclude a contract.
  • Sometimes it is better to pay a small damage yourself than to claim it. More tips about claiming damages or paying yourself.

Regularly Compare Your Non Owner SR22 Insurance

A move, a new or an older car, new conditions or adjustment of your premium by your car insurer, these are just a few reasons to regularly compare your Non-Owner SR-22 Insurance. Sometimes you can insure your car cheaper with another car insurer after a claim.