Claim-free years Transferring claim-free years from abroad

Transferring claim-free years from abroad to the Netherlands

Have you lived abroad and accumulated claim-free years there? In many cases, you can transfer these to a Dutch auto insurance policy. This can lower your premium. Dutch insurers do not always accept claim-free years from abroad. This depends on the country and the insurer.

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The requirements of a Dutch insurer

It is certainly possible to transfer your claim-free years from abroad. In the Netherlands, claim-free years are recorded in the Roy-Data database. Abroad, the system works differently. Insurers generally do not accept claim-free years from countries with completely different insurance systems, such as the United States or Australia.

Not all Dutch insurers have the same policy regarding the transfer of accident-free years from abroad. It’s a good idea to check with different providers before you purchase a new auto insurance policy.

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Need advice for your specific situation? We know what the options are for carrying over your claim-free years in each country.

How do you transfer your claim-free years from another country?

Follow these steps if you want to transfer your accident-free years from abroad to a Dutch insurer:

Request a claim-free certificate from your foreign insurer.
Make sure the statement is in Dutch or English. This statement is valid for 1 year.
Check to see if your claim-free years are still valid.
Your new insurer will add your claim-free years to the Roy-Data database.

Tips for Carrying Over Your Claim-Free Years

Claim-free years must often be accumulated within three years to remain valid.
Make sure to provide timely proof of your accident-free years abroad and discuss the terms with your insurer.

Frequently Asked Questions About Transferring Claim-Free Years from Abroad

Can I transfer my no-claims years to the Netherlands if I've lived abroad?

Yes, but it depends on the country and the insurer in the Netherlands. Claim-free years from EU countries are more often recognized than those from non-EU countries. If you’re unsure whether you can transfer your claim-free years to a Dutch insurer, please contact us.

What if your claim-free years aren't recognized?

If your claim-free years aren't recognized, you'll usually start with a higher premium. However , this depends on the specific coverage and the insurer. Want to know what your auto insurance premium will be? Calculate your premium in 2 minutes.