Claim-free years are accrued from the moment you have a car insurance in your name. What are claim-free years? And what do they have to do with your care insurance?
Claim-free years are the years in which you have not claimed any damage. For every year you do not claim damage, you earn one claim-free year. If you do claim damage, you lose your claim-free years. The more claim-free years you have, the more premium discount you get.
For every claim-free year, you climb on the bonus-malus ladder and get more premium discount. The bonus-malus ladder is a table that says how much premium discount you get with a certain number of claim-free years. This table differs per insurer.
‘’Do you want to know how many claim-free years you have accrued? Then calculate your claim-free years. This way, you immediately get an indication of this number of claim-free years.’’
When comparing car insurances, it is convenient to know how many claim-free years you have. How do you find out?
Roy data is a national database in which insurers of all car owners track their claim-free years. The system applies to cars, delivery vans, campers, motorcycles and mopeds. You can request your claim-free years from the Roy data. When you switch insurances, your new insurer can request your claim-free years here.
Have you accrued claim-free years abroad? Then the insurer will ask the foreign insurer for a cancellation statement. You receive this statement when cancelling your car insurance.
Did you have a lease car? Then you will receive a lease statement at the end of the lease contract. This states how long you drove the lease car and how many/what damages were claimed. The insurer then determines how many claim-free years are awarded.
Did you have a company car? And were you the only driver? Then ask whether your employer or the insurer accepts an employer statement for awarding claim-free years.
Most insurers do not offer transferring the claim-free years of your moped or scooter insurance to your car insurance. This is because driving a scooter or moped is considered to be a different risk than driving a car or motorcycle. Ask your car insurer for the possibilities.
In almost all cases, we do not recommend transferring the claim-free years from your car insurance to a scooter insurance. After all, conversely, from moped or scooter insurance to car insurance, is often not possible. This means you would lose your claim-free years when you want to go back to a car insurance.
Many car insurers apply a three-year validity period for claim-free years. Have you not had a car insurance in your name for three years? Then you lose your previously accrued claim-free years. And, in the process, your premium discount.
If you transfer your car to someone else’s name, you can also transfer your claim-free years. This is possible with (ex) partners or if you transfer a company car to your name as a private individual.
No, you cannot transfer your claim-free years to a second car. However, with many insurers, you can opt for the second car scheme. This allows you to get a discount on your second car insurance based on the accrued claim-free years of your first car insurance.
Have you accrued claim-free years abroad and do you want to take them to the Netherlands? Then that is possible in most cases. Do you want to know how? Find out here.