Can you request claim-free years from your leasing company?

Today, more and more people are opting for a leased car. Private lease allows you to drive a new car, but you are not responsible for purchasing car insurance yourself. Moreover, you do not pay maintenance costs, depreciation, road taxes and insurance premiums, because the car is owned by the leasing company. However, you also need to consider claim-free years. The car insurance is in the name of the leasing company, which means that you officially do not accrue any claim-free years yourself. Fortunately, you can request your claim-free years from the leasing company at the end of the term of your lease contract. In this article, we explain how that works.

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Claim-free years from your leasing company with a lease declaration

A lease declaration states how many years the lease car has been driven and how many damages were caused during that period. With lease cars it is customary to claim all damages, including minor ones. Because of this, the lease statement is not always appropriate for a lease car driver. With a lease statement, you can show the insurer that you have driven without damage during the lease period. On this basis, some insurers still grant claim-free years, and some only a premium discount. From 1 January 2022, however, there will be an unequivocal policy. From that moment on, you will be able to have pure claim-free years entered into Roy Data. The change will apply to all insurers who are members of the Dutch Association of Insurers. Read more in this blog.

Claim-free years on private lease

With private lease, you do not have to take out a car insurance. It can, however, be advantageous to bring in your own accumulated years without claims at the start of the lease period. Many lease companies charge a surcharge on the standard rate if you have no or only a few claim-free years. Check beforehand what leasing companies require in order to be able to demonstrate the number of claim-free years.

Claim-free years transferable since 1-1-2022

Since 1 January 2022, claim-free years are transferable in certain situations. In case of 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 the claim-free years. This way, they do not lose their accumulated claim-free years. In our blogpost you can read more about this new regulation.

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  • i To calculate the premiums, we need the postal code of the main driver. In case of private use, the youngest driver must reside at the same address as the applicant. In case of business use you can fill in the postal code of the company.

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Last updated: 12-12-2022

Financially certainly.

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