What is a waiver?
Claim-free years are personal. This means that if you and your partner own a car together, only one person accrues claim-free years, namely the person in whose name the car insurance is registered. To prevent one of you from being left without claim-free years in a divorce, claim-free years can be (partially) awarded to an ex-partner. To do this, you need a waiver. In this article we explain what a waiver is and how claim-free years can be transferred with it.
Transfer claim-free years with a 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 partners. So the other does not accrue any claim-free years, even if they use the car as often or perhaps even more often. In the event of a divorce, one partner would thus be left with no claim-free years and therefore pay much more for a new car insurance policy.
With a waiver it is possible to grant a former partner claim-free years. In this case you literally renounce the claim-free years, because you can no longer use these years yourself. 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 keep 10 euros yourself. If you give your partner 20 euros, you don't even have anything left.
Waiver of claim-free years example
So to transfer claim-free years, you need a waiver. But what exactly does a waiver look like? A waiver is a form with a few questions. On it you fill in the personal details of both the holder of the claim-free years and the recipient. With a waiver you declare to transfer the accrued claim-free years to your ex-partner, as a result of which you can no longer derive rights from the previously accrued years. Thus, without the holder's signature, claim-free years cannot be transferred. An ex-partner cannot simply claim the claim-free years without the other person's consent. You also fill in some information about the policy. Finally, both parties sign the waiver. Below you can download a waiver statement as a PDF file.
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.
Related pages about claim-free years
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