How does the transfer of claim-free years in motorbike insurance work?
Insurers reward damage-free riding with a discount on the insurance premium. This works as follows: as soon as you take out a motorbike insurance policy in your name, you start building up claim-free years. For every year that you make no claim with the insurer, you get 1 claim-free year. The more claim-free years you build up, the more no-claim discount you will receive. This discount can be as much as 80% on the basic premium of a motorbike insurance. Claim-free years are personal, but you do build them up per policy. Claim-free years that you use with your car insurance can not be used for a motorbike insurance. In a number of special situations it is possible to take over claim-free years. In this article on Diks.nl we explain how the transfer of claim-free years for a motorbike insurance works.
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In the event of death
Before the new legislation, many insurers were already lenient when it came to claim-free years and death. If the surviving partner was registered at the same address, he or she could usually take over the claim-free years of the deceased. Insurers were free to decide whether or not to do this. From now on there is a clear policy on this.
In case of divorce
If you get divorced, there are probably a lot of assets to be divided. In such a situation, claim-free years can also be divided. The partner who has the pure claim-free years in his or her name determines the distribution key. Then he or she declares by means of a waiver that these claim-free years are waived. Claim-free years that are surrendered to an ex-partner cannot be used anymore. In fact it works the same way as with money: if your partner has 20 euros and gives you 10 of that, he will also have 10 euros left. If he gives you the full amount, he has nothing left.
After a lease
Have you leased a motorbike? Then the motorbike insurance is in the name of the leasing company during the lease period and you yourself have not built up any claim-free years in your name. If you want to take out motorbike insurance yourself after the lease period, it is a lot more expensive without claim-free years. That is why it is now possible, by means of a lease statement, to register pure claim-free years in Roy-data and take them over on your own motorbike insurance. Previously, insurers handled lease declarations in different ways. With some insurers you did not receive any claim-free years but only a premium discount, which left you empty-handed when you switched.
After a period abroad
In the Netherlands, all insurers have access to Roy-data, the central database of Stichting EPS. When you cancel your motorbike insurance, the insurer registers your accumulated claim-free years. When you subsequently take out a new motorbike insurance, your new insurer will consult the Roy-data database to see how many claim-free years you have. Foreign insurers, however, do not work with Roy-data. Claim-free years that you have accrued abroad, for example because you have lived there for a while, are therefore not registered. You must therefore prove these claim-free years with a written statement from the insurer. Since January 1st 2022 your Dutch insurer is obliged to grant these claim-free years.
Transferring claim-free years from car insurance to motorbike insurance (or vice versa)
As we said earlier, claims-free years are personal, but they are accumulated per policy. You cannot copy claims-free years. Claim-free years built up on a car insurance cannot be used for a motorbike insurance if the car insurance is still running. However, with most insurers it is possible to transfer the claim-free years from your car insurance to your motorbike insurance. This means that you have to cancel your car insurance, because the claim-free years are stuck in this policy if it is still running. As soon as you terminate your car insurance, they are registered in Roy-data. Your motor insurer can then convert the claim-free years and use them for a motorbike insurance.
Conversely, you can also transfer claim-free years from a motorbike insurance to a car insurance, but only if you stop the motorbike insurance. If you buy a car in addition to your motorbike, you have to start all over again from the accumulation of claim-free years for your car.
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