How long do claim-free years remain valid?
Claim-free years were valid for one year after cancellation of a motor insurance policy. Because of recent market developments, several insurers have broadened their policies of recognizing claim-free years.
A positive development that Alpina supports. Therefore, we will grant the claim-free years up to 3 years after cancellation of a motor insurance policy. This entitles you longer to the years already accrued with the corresponding discount.
In what way can you prove claim-free years?
If the motor insurance is terminated, the Dutch insurer passes on the number of accrued claim-free years to the Roy-Data database. From the moment the insurance is terminated, these claim-free years remain in force for 3 years and can then be used for a new insurance policy. At the end of these 3 years, the claim-free years expire and you have to start building up claim-free years again.
Please note that claim-free years can only be used for one current insurance policy. Therefore, they cannot be used for a subsequent insurance policy.
When the claim-free years are not listed in Roy-data, you can prove accrued claim-free years as follows:
Cancellation statement/statement of foreign insurer
After termination of your motor insurance, you will receive a cancellation notice from the company. This lists the accrued 'pure' claim-free years.
Lease Statement
Have you driven a leased car? Then you can enter the years that you drove the lease car without damage as damage-free years. However, you must submit an original lease statement. This declaration can be obtained from the lease company.
Employer statement how about claim-free years?
If you have driven an employer's car in recent years, we can grant claim-free years upon receipt of the original employer's statement. The number of claim-free years to which you are entitled is determined according to the rules below:
- employer's statement of 1 or 2 years entitles you to: 0 claim-free years
- employer's statement of 3 years entitles you to: 1 claim-free year
- employer's statement of 4 years entitles you to: 2 claim-free years
- employer's statement of 5 or more years entitles you to: 3 claim-free years
What is the validity of claim-free years?
After terminating a car insurance policy, claim-free years remain valid for 3 years with most insurers. If you want to use the claim-free years with a new car insurance policy, you have to take it out within 3 years. After 3 years the claim-free years expire and you can no longer use them. You then start again with building up claim-free years and receive no or little premium discount when buying a new car insurance.
Roy-data claim-free years valid?
After canceling a car insurance policy, the insurer registers your accumulated claim-free years in Roy-data. When you take out a new car insurance policy, the new insurer can look up your claim-free years in Roy-data and link them to the policy. After the claim-free years are registered in Roy-data, they are valid for 3 years with most insurers. With a few insurers this is only 2 years, and with others it is 4 or even 5 years. How long claim-free years remain valid with an insurer can be looked up in the policy conditions of your insurance.
Claim-free years valid for 3 or 4 years?
Unfortunately, claim-free years are not valid indefinitely. After canceling your car insurance, claim-free years remain valid for 3 years with most insurers. After this period the claim-free years expire and you start building up again. You will get less no-claim discount and thus pay more for car insurance. With some insurers claim-free years are valid for 4 years, and with some even for 5 years. Within this period you have to use an insurance in which you can use your claim-free years, otherwise they will expire.
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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