10 Things Your Insurance Company Knows About You

7. Your past insurance claims

“Your insurance history follows you, even as you change insurance companies,” says Thomas. “Most insurance companies will penalize you for a claim, some as old as six years.” On a more positive note, Thomas says that drivers who have ten years of claim-free coverage tend to get a discount.

Thomas also said your claim history doesn’t travel with you between countries. If you think you’re being unfairly penalized for having no claim history in your new country, you can get a letter from your old insurer that shares your clean record.