How can I access Roy Data?
Roy Data records your claim-free years. Claim-free years are years in which you have not claimed any damage with your insurer. This is advantageous, because for each claim-free year you climb 1 bonus malus step. The higher you are on the bonus malus ladder, the more premium discount you will receive. Therefore, having or not having claim-free years makes a big difference for car insurance. When you purchase car insurance, you will be asked about your claim-free years. Not sure how many claim-free years you have? Then you can check this information in Roy Data. On Alpina.nl we explain how to do that.
Roy Data view: claim-free years
Roy Data is the central database of the EPS Foundation (Efficient Processes Claims Insurers). Previously, you had to prove your claim-free years with a statement of cancellation. However, since September 1, 2007, insurers have been working with a digital system: Roy Data. When you terminate your car insurance, the insurer puts your accrued claim-free years in Roy Data. When you take out a new car insurance policy, the new insurer consults Roy Data. They then claim the claim-free years and add them to your new policy. You cannot do this with the claim-free years from a current car insurance policy. All insurers have access to Roy Data. You can also see your claim-free years in Roy Data yourself.
How can you see how many claim-free years you have?
Your car insurance company must let you know annually how many claim-free years you have. Your claim-free years are therefore listed on your policy schedule, which you receive each year. You can also request your claim-free years from your car insurer or intermediary. This always applies to claim-free years of a current car insurance policy. Damage free years are only put into Roy Data when your car insurance is terminated. If you still have a car insurance policy, the claim-free years you have accumulated during that period are not yet registered. For these claim-free years you can contact your current insurer.
You can view older claim-free years in Roy Data. You must submit a request for this via the EPS website. Here you will find the right of inspection form. Send this in digitally together with a copy of your proof of identity. Keep in mind that after sending the form it may take some time before you receive your claim-free years. In most cases this takes a maximum of 28 days.
How long can I view my data in Roy Data?
Claims-free years do not remain valid indefinitely. After canceling your car insurance, your claim-free years are valid for 3 years with most insurers. This differs per insurer. With some insurers this is only 2 years, but with others again 4 or even 5 years. So always check when taking out your car insurance how long claim-free years are valid with your insurer. So you know how long your claim-free years remain in the Roy Data register.
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