Where can I look up my claim-free years?
Your claim-free years are recorded in the Roy Data database. Claim-free years are the years that you have not claimed any damage with your insurer. For each claim-free year you climb 1 bonus malus step. The higher you climb the bonus malus ladder, the more discount you will receive on your premium. Therefore, having or not having claim-free years makes a big difference for car insurance. When taking out a new car insurance policy, you provide your claim-free years. Without your claim-free years, we cannot give you as good an indication of the insurance premium. Do you not know how many claim-free years you have? Then you can look them up in different ways. In this article we explain how to look up claim-free years.
Looking up claim-free years in Roy Data
Roy Data is the central database of the EPS Foundation (Efficient Processes Claims Insurers). When you cancel a car insurance policy, the insurer registers your accumulated claim-free years. When you subsequently take out a new car insurance policy, your new insurer consults the Roy Data database to see how many claim-free years you have. As a result, you no longer have to provide a paper termination statement when taking out a new insurance policy. Your data in Roy Data is accessible to both insurers and yourself. You can look up your claim-free years by submitting an application via the EPS website. To do this, you must complete the access form and send it in digitally together with a copy of your proof of identity. It may take some time before you get insight into your claim-free years. This takes a maximum of 28 days.
Retrieve claim-free years from insurer
Damage-free years are not included in Roy Data until the insurance is terminated. This means that claim-free years built up during an ongoing car insurance policy are not yet visible in Roy Data. Your car insurer must inform you annually how many claim-free years you have. Your claim-free years are therefore also shown on your policy document, which you receive every year. You can also request your claim-free years from your car insurer or intermediary.
Looking up older claim-free years
Claim-free years are not valid indefinitely. After terminating a car insurance policy, claim-free years are still valid for 3 years with most insurers. This means that you must take out a new insurance policy within 3 years in which you can use the claim-free years. If you don't, you will lose the claim-free years. It also means that you cannot always look up older claim-free years. If they have expired, they can no longer be seen in Roy Data either. The period of validity of claim-free years can differ between insurers. With some they are only valid for 2 years after cancellation, with others they are valid for 4 or 5 years. You can check this in the policy conditions of your car insurance.
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.
Related pages about claim-free years
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.