How many claim-free years do I have?
In order to compare or take out a car insurance, you need to know how many claim-free years you have built up. Claim-free years are built up when a car insurance is registered in your name. The more claim-free years you have, the more discount you will get on the premium. Are you not sure how many claim-free years you have? You can look it up in Roy Data. You can also request them from your car insurer or find them on your policy schedule.
Look up claim-free years in Roy Data
Claim-free years are registered in Roy Data. This is the central database of Stichting EPS (Efficient Processes Schadeverzekeraars). When you terminate your insurance policy, the insurer will register your accrued claim-free years in Roy Data. When you take out a new car insurance, the new insurer consults the Roy Data database to see how many claim-free years you have. In the past you had to prove your claim-free years with a paper statement, but with Roy Data this is no longer necessary.
Your data in Roy Data is accessible for both insurers and yourself. Do you want to know how many claim-free years you have in Roy Data? Then you can submit a request for inspection through the website of Stichting EPS. You can do so by completing the request for inspection form. Fill it in online and send it digitally together with a copy of your proof of identity. Keep in mind that it can sometimes take a while before you get an insight. Often this takes up to 28 days.
Claim-free years from your insurer
It is important to know that claims-free years are only included in Roy Data once the insurance policy with which they have been accrued has been terminated. Do you still have a car insurance? Then the claim-free years you have accrued during this period cannot be viewed online yet. If you want to know how many claim-free years you currently have, you can request this from your insurer or intermediary. In addition, your car insurer must let you know annually how many claim-free years you have. This is stated on the policy document that you receive annually from the insurer.
How many claim-free years do I lose after a claim?
You lose claim-free years by making a claim on your car insurance. One claim costs you five claim-free years. The lower number of claim-free years can result in a sharp increase in the premium in the following policy year. You do not lose years of insurance with every claim. Damages which are insured in the WA limited casco do not go at the expense of the claim-free years. This concerns for example windscreen damage, storm and hail damage and theft of the car. In case of damage caused by a collision or vandalism, the claim on the insurance will be at the expense of your claim-free years.
Claim-free years transferable since 1-1-2022
Since 1 January 2022, claim-free years are transferable in certain situations. In case of death for example, they can be transferred to the surviving partner. Also for lease drivers and drivers who have lived abroad for years, it is now possible to transfer the claim-free years. This way, they do not lose their accumulated claim-free years. In our blogpost you can read more about this new regulation.
Related pages about claim-free years
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