Hello, I have registered several cars with my insurance company so far, but I still ask myself a question: How is the damage-free class defined for a certain holder? The following story: My father leads for years with 30%! Then I got my own car and, along with my father’s, registered it to my mother and insured it! Then I drove with the 30% and my father with 85%, with the 85% actually my percent and the 30% my Vate I’ve been on my father’s car for two years now, but my brother has bought a car and registered it for my mother! Now it looks like my car is still running at 30%, my own percent still has to be 70! My brother’s car is now running at 70%, and he must have entered at 85%, which is now on my father’s bill! Why is this going to be so complicated? But now to the actual question: The insurance representative asked me at the beginning, when I registered the car, which SF I have! I had to answer: “I don’t know, I’ve never driven a car before!” (that was about 2 years ago) But if I had said: “I’ve been driving accident-free for 10 years”, then he would have noticed that! So how is the SF defined?? Who or what sets my percentages?? Is this noted somewhere or can I go to the insurance company? g go and just say something?? Would I be happy if someone here would bring us dark light! the_hero