Damage-free years lease car
Do you drive a leased car and want to know if you are accruing claim-free years? With private and business leases, claim-free years are not transferred to your name. If you later take out your own car insurance, you will not automatically receive a discount. However, you can request a lease statement to show that you have had no damage.
Calculate your premiumAccruing claim-free years with a leased car
Claim-free years are always personal. You only get them if you have a car insurance in your own name. Do you have a company car? Then the car insurance is often in the name of your employer or the leasing company. You don't actually build up any claim-free years, because the insurance is not in your name.
If you buy your own car again after years of driving a company car, you will have to buy your own car insurance again. It is a shame if you cannot use the claim-free years you have accumulated with your business car. That's why you can apply for a lease statement.
If you buy your own car again after a lease car, you have to buy your own car insurance. It's a shame if you've been driving damage-free all this time and they don't count against your claim-free years. That's why you can apply for a lease statement.
Request a lease statement for your claim-free years
Leasing companies may provide at the end of the lease contract a lease statement give. This states how long you have driven the car and how many damages have occurred.
With a lease statement, you can have claim-free years entered into Roy Data with your new insurer. This way, you can usually still take your claim-free years with you when you take out your own car insurance.
The statement usually must satisfy a few things:
your name is on it,
he is signed,
the lease period is listed,
it says you drove without damage.
With leased cars, all damages, including minor ones, are usually reported. As a result, the lease statement is sometimes less favorable for lease drivers.
Employer statement for a company car
Have you been driving a car from work and now want to buy your own car insurance? Then request an employer's statement from your employer. With this statement, you can show that you have not driven any damage with the company car.
Please note that not all insurers accept an employer's statement. This is because the document is easy to forge. Therefore, check with your insurer first to see if they approve an employer's statement.
Discount on your car insurance with claim-free years
Whether or not you carry claim-free years makes a big difference on your next car insurance policy. By driving claim-free, you can build up to 70 to 80 percent premium discounts with most insurers.
If you do not claim any damage in a policy year with your car insurance, you get 1 claim-free year. If you do claim, you lose claim-free years. Usually, the person in whose name the car insurance is registered is also the one who owns the claim-free years.
Claim-free years transferable
Claim-free years can sometimes be transferred. If someone dies, the partner can get the claim-free years. Lease drivers can now also transfer claim-free years. This way, these accumulated claim-free years are not lost.
Frequently asked questions about claim-free years and a leased car
Do claim-free years from a leased car count?
This depends on the leasing company and the insurer. Usually you will receive a statement of your claim-free years from the leasing company after the end of the lease period.
You can use this statement to transfer your claim-free years to a car insurance policy in your name. The insurer itself decides if and how they count these years. Therefore, always check with your leasing company and insurer how they handle this.
Do your claim-free years with a leased car also show up in Roy Data?
Damage-free years accrued with a leased car are usually not automatically put into the Roy Data system, because this system is primarily for private car insurance. Leasing companies usually keep track of the claim-free years themselves and issue a lease statement at the end of the lease contract.
Will I lose my claim-free years if I lease?
Yes, if you have no other insurance in your own name during your lease term, previously accrued claim-free years may expire after 3 years. Check this with your insurer.
What is a lease statement?
A lease statement is written proof of claim-free driving during a lease. You can use this document to get a discount on a new car insurance policy after the lease period.
Are claim-free years tracked at all leasing companies?
No, not by default. Some leasing companies keep an internal record of whether you have driven damage-free, but this is not automatically shared with Roy-data. Therefore, check this with your leasing company.
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