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Can you transfer your claim-free years to another car?

Claim-free years are personal. That means that they are not built up per car, but per person. That is why you only build up claim-free years when there is a car insurance in your name. It may be that you buy another car at some point. You might wonder how the transfer of claim-free years to another car works. In this article we explain it to you!

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transferring claim-free years

Claim-free years are locked into a car insurance policy

Your accumulated claim-free years are fixed in a car insurance. As soon as you cancel the car insurance, the claim-free years are released and registered in Roy Data. Roy Data is the central database of Stichting EPS (Efficient Processes Schadeverzekeraars). If you then take out a new car insurance, your new insurer will consult the Roy Data database to see how many claim-free years you have. They can then use this for your new car insurance. Claim-free years built up with a car insurance that is still active are not yet registered in Roy Data. Therefore, they cannot be added to a new insurance policy.

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Transferring claim-free years to a new car

If you have bought a new car, you have to pass on the number plate to your car insurer. Your claim-free years then automatically transfer to the new insurance policy. It is important to always pass on changes, such as a new vehicle, to the insurer. Do you want to switch to another insurer? Then you can terminate your current car insurance and take out a new one with the insurer of your choice. Your new car insurer will take your claim-free years from Roy Data and link them to the new policy. This way you can easily transfer your claim-free years to a new car.

Transferring claim-free years to a second car

You can only use claims-free years for one car. Do you buy a second car? Then you want to take your claim-free years and accrued no-claim discount with you to your second car insurance. Some insurers therefore have a second car arrangement. In the second car scheme the discount of the first car is taken over, but the policies are not linked to each other. In case of damage to one of the two cars, this has no consequences for the other car insurance.

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.

Get instant car insurance at Alpina.nl!

Many people stick with the same auto insurance company for years because they think switching is difficult. Therefore, they put off switching. Yet it pays to look at a different car insurance, because in many cases it can save you a lot of money. On Alpina.nl you can easily compare providers in order to find the best and cheapest car insurance. When comparing, we directly include your claim-free years, so you get a good indication of the premium.

Do you have any questions? Then please do not hesitate to contact us! You can reach us Monday to Friday from 08.00 to 18.00 by phone at 088 - 688 3700. You can also send us a message via chat, WhatsApp or Messenger.

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