What statements ka request regarding claim-free years?

Employer Statement

Did you have a company car, but now want to get your own car insurance? Then you can ask your employer for an employer's statement. With an employer's statement you can then prove that you have driven your company car without claims. However, keep in mind that many insurers will not accept an employer's statement. This is because it can easily be tampered with. So always check with your insurer whether an employer's statement is accepted.

Lease Statement

With a leased car, you do not accrue any claim-free years yourself because the car insurance is not in your name. However, leasing companies can issue a so-called lease statement after returning the car. A lease statement states how many years the car has been driven and how many damages have been caused. With lease cars, it is customary to claim all damages, including minor damages. As a result, the lease statement often falls short for a lease driver. Previously, not every insurer would award claim-free years based on a lease statement, but only premium discounts, which you would lose when switching. Since Jan. 1, 2022, however, it has been stipulated that every insurer must award claim-free years based on a lease statement, not just a premium discount. This is more beneficial to the policyholder, as it allows them to make a proper switch if they want to, without losing their premium discount.

Waiver

In a divorce, it is possible to award claim-free years (in part) to an ex-partner. When you have a car together, the car insurance is always in the name of one of the two partners. So the one who does not have a car insurance in his or her name does not accrue claim-free years, even though they may use the car equally often. In the event of a divorce, one partner would thus be left without claim-free years. Therefore, it is possible to grant an ex-partner claim-free years. You cannot then use these claim-free years yourself, because it is not possible to copy claim-free years. You can compare it to money: if you have 20 euros and you give your partner 10 euros, you will keep 10 euros yourself. To transfer claim-free years, you need a waiver.

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.