Claim-free years in Roy Data
When taking out car insurance, an insurer will ask you about your claim-free years. Claim-free years are the years that you have not claimed any damage with your insurer. Damage-free years also affect the amount of the premium, because the more damage-free years you have accumulated, the more premium discount you get. Nowadays, claim-free years are registered in Roy Data. An insurer does this after terminating the insurance. This makes it clear to your new insurer how many claim-free years you have accumulated. You can also request your claim-free years in Roy Data yourself. On Alpina.nl we tell you how to do that.
What is Roy Data?
Roy Data is the central database of Stichting Efficient Processes Schadeverzekeraars(Stichting EPS). When you cancel a car insurance, the insurer registers your accumulated claim-free years. 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. This means that when you take out a new car insurance, you do not have to supply a statement anymore.
Why are claim-free years in Roy Data?
In the past, the cancellation statement was used to prove claim-free years. A cancellation statement is a written document that you received after the termination of your car insurance. It stated the number of claim-free years you had accumulated with the vehicle. This statement was issued only once and you had to show it to your new insurer when you took out a new car insurance in order to keep your accumulated claim-free years.
However, from 1 September 2007, insurers switched to a digital system: Roy Data (Royementverklaringen-Database). Since then, insurers register the accumulated claim-free years here, after the termination of the insurance. Losing or not receiving the statement is no longer an issue since all data is registered digitally.
How can I retrieve my data?
In Roy Data, every insurer can request your claim-free years. However, you can also do this yourself. You can do this via the website of Stichting EPS by means of the right of inspection form. Fill in your personal details. Then send the form, together with a copy of your proof of identity, digitally. After sending the form, it may take a while before you receive your claim-free years. In most cases this takes a maximum of 28 days.
Current claim-free years are not registered in Roy Data and can therefore not be requested via Stichting EPS. Claim-free years are only registered after termination of an insurance policy. If your car insurance is still running, you can request your claim-free years from your insurer. They can also be found on the policy schedule that you receive and on the annual statement.
Take out car insurance directly through Alpina
At Alpina.nl you can easily calculate the premium for a new car insurance policy. By comparing every year, you can easily see where you are cheapest and can save a lot of money on an annual basis. When calculating the premium, we also include your claim-free years. Not sure how many claim-free years you have? Then you can make an estimate online. This way you can still calculate the premium. Do you still have questions? Please contact us!
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