Claim-free years Bringing claim-free years from abroad

Taking damage-free years from abroad to the Netherlands

Have you lived abroad and built up claim-free years there? Then in many cases you can transfer these to a Dutch car insurance. This can lower your premium. Dutch insurers do not always accept foreign claim-free years. This depends on the country and the insurer.

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The requirements of a Dutch insurer

Taking damage-free years with you from abroad is certainly possible. In the Netherlands, claim-free years are in the Roy-Data database. This works differently abroad. Insurers usually do not accept claim-free years from countries with totally different insurance systems, such as the United States or Australia.

Not all Dutch insurers have the same policy for taking over foreign claim-free years. It is smart to check with several providers before purchasing a new car insurance policy.

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Advice for your specific situation? We know per country what is possible to include your claim-free years.

How do you take claim-free years from abroad?

Follow the following steps if you want to take your foreign claim-free years with you to a Dutch insurer:

Apply for a claim-free certificate from your foreign insurer.
Make sure the statement is in Dutch or English. This statement is valid for 1 year.
Check that claim-free years are still valid.
Your new insurer then adds your claim-free years to the Roy-Data database.

Tips for taking your claim-free years with you

Claim-free years must often be accumulated within three years to still be valid.
Get timely proof of your foreign claim-free years and coordinate with your insurer on terms.

Frequently asked questions about bringing claim-free years from abroad

Can I take my claim-free years back to the Netherlands if I have lived abroad?

Yes, but it depends on the country and the insurer in the Netherlands. Claim-free years from EU countries are recognized more often than from non-EU countries. Do you have doubts whether you can transfer your claim-free years to a Dutch insurer? If so, please contact us.

What if your claim-free years are not recognized?

If your claim-free years are not recognized, you usually start with a higher premium. However, it still depends on the specific coverage and the insurer. Want to know what your car insurance premium will be? Then calculate your premium in 2 minutes.