How can you prove claim-free years?

Proving claim-free years can be done in several ways:

1. Roy data system

If you took out car insurance after September 1, 2007, you will find all your accrued claim-free years in the Roy Data system. This system is a central database in which all insurers in the Netherlands keep their cancellation data. When taking out a new car insurance policy, the insurer will check your data in this system.

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2. Royation Statement

Your insurer will send you a cancellation statement after you cancel your car insurance. This statement states how many claim-free years you have accumulated during the term of your insurance. Also, the claim-free years are placed in the Roy-Data database, an insurer can find your claim-free years here with a possible new application.

Claim-free years remain unused here for 3 years, after which they expire.

3. Lease Statement

If you have used a lease car, the leasing company may provide a lease statement . This will explain any damages to your lease car. Most insurance companies accept the lease statement because lease companies generally record damages well.

4. Employer Statement

Insurers do not always approve an employer's statement. It is important that you were the sole driver of the car. Ask your employer for a statement from the insurer of the car. Your new insurer may decide whether to approve the employer's statement.

Claim-free years transferable since 1-1-2022

Since Jan. 1, 2022, claim-free years are transferable in some situations. Upon 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 claim-free years. This way they do not lose their accumulated claim-free years. You can read more about this new regulation in our blog post.

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