Hello, I had insured my own car until 31.05.2009 and an accident in 2009. As far as I remember I was already in SF 14. I have been driving a company car since then and I want to allow a car again soon. now I’m just informing myself how it is with my discount.I have already written on my old insurance. It is to be read everywhere that one is upgraded after an accident “in the following year”. However, I was no longer insured in 2010 (= following year). n the questionnaires you are always asked if you had an accident in the last 3 years. I didn’t have that either (will allow the car in mid-2012, i.e. more than 3 years after the accident) Can it be that I am lucky there? That my new insurer is reported the old SF discount on demand with my old insurer, although I still had a damage in 2009? Theoretically I should not have been reclassified yet, or upgraded because I did not have insurance in 2010 Or are terminated contracts upgraded retroactively?