The claims certificate is provided when changing insurance company to improve the premium on the car and can be obtained online, by calling the company's telephone number or by e-mail. Companies are obliged to provide it within 15 days.
What is the accident certificate?
A accident certificate reflects a customer's history with an insurance company, so it is very useful to provide it to the insurer to which we want to switch to in order to improve the premium, if the data collected is positive. We will see in which cases we may need it and how to get it from the company.
The SINCO file
The various insurance companies share information They have files where they reflect the claims of their clients. For this reason, most companies only need to enter your details to check your history.
This is the case, for example, with car insurance. There is the file called «SINCO», The "insurance policy", for vehicle policies, which is used when we quote our insurance with another company. It is not compulsory to subscribe to it, as companies such as Mutua Madrileña, they do not use it.
What happens if my company does not share the claims certificate? Then it will be essential to get it if you want to access a possible discount that the destination company may apply depending on your accident rate.
When to obtain the accident certificate?
In the there are two types of discounts applicable:
- on commercial (which is the one that the company can give you depending on the campaign at any given time) and
- by good accident ratewhich can go up to 50-60% if the data obtained is favourable (making your policy much cheaper, of course) → in this case, if our insurer is not in the SINCO, If the certificate is required, we will need the certificate in order to provide the history
It can also be useful in other types of policies if you want to “scratch”.” more discount from a company. That is, if you prove that you have paid 1,000 euros in premiums in X years, and you have not had a single claim, you will be proving that you are a customer who deserves a discount. This applies to business insurance, for example, or even home insurance.
Is the company obliged to provide me with the certificate?
Indeed, companies must issue such a certificate within a maximum of one year. period of 15 days. In it, the number of claims in recent years in which the policyholder has been at fault will be recorded.
How to obtain the accident certificate?
In order to obtain it, companies usually have at their disposal:
- A telephone number to call
- An email (e.g: [email protected])
- A burofax is also a reliable way of requesting it.
- A private customer area where they can obtain their claims certificate online.
A word of advice: If you are going to join a company that does not share its files with other companies, it would be advisable to obtain a certificate before joining that company about your previous history. Later on, this new insurer will only credit how many claims you have made while with them, having lost all previous information if you had not requested the certificate.
If you need us to help you in this type of management, to improve your insurance, you can count on PIB Group Iberia. Contact with us and put yourself in good hands.
