Transferring accrued claim-free years
Damage-free years belong to a registered car insurance policy and you cannot give them to someone else. There are a few exceptions where you can. There are rules for this. Sometimes you can transfer claim-free years in a divorce to your ex-partner or take them over when your partner dies.
Transfer claim-free years through a request
Damage-free years are locked into a car insurance policy in the name of the person who purchased the policy. Damage-free years are a reward for your driving record.
Do you have many claim-free years? Then you usually get a discount on your premium. Therefore, they cannot be transferred to another person such as a live-in child.
In the following cases, however, it is possible to transfer them to a person so that you do not have to start rebuilding claim-free years:
Do you have a new or second car? Or did you have a leased car? Even then, your claim-free years will be transferred to your car insurance.
Make a request
The person you want to transfer this to must be registered at the same address and have a driver's license. Do you meet these conditions and want to transfer claim-free years? Then make a request to your insurer.
Transferring claim-free years to a partner upon divorce
Does your partner have no car insurance in your name, but drives the car as often as you do? Then your partner will not accrue any claim-free years. As long as you are together, this is usually not a problem.
When divorcing or ending a registered partnership, however, claim-free years can be transferred since 2022. This is because it is assumed that both partners use the same car and are jointly responsible for the claim-free years.
Do you have 2 cars together and both car policies are in your name? Then you can transfer one set of claim-free years to your partner. Only the policyholder can transfer claim-free years to someone who is a regular driver on the policy.
The policyholder chooses how many claim-free years are transferred. You arrange this with a waiver or splitting statement.
Transferring claim-free years on death
If the insured dies, the partner who lived at the same address is often allowed to take over the claim-free years. Without your own claim-free years, car insurance is much more expensive, even if you haven't had a claim for years.
Most insurers require this:
A copy of the death certificate
A declaration of joint household or marriage/partnership
A completed transfer form
The exact rules vary by insurer so always ask first if it is possible to transfer.
Other situations where you can transfer claim-free years
Transferring a lease car
Have you had a (private) lease? With leasing, no damage-free years are transferred, but a lease statement can be used to prove damage-free driving. This states how many years the car has been used and how much damage there has been. You can request a lease statement from your leasing company.
Employees who drive a company car do not officially get claim-free years. Are you taking out a new car insurance policy yourself? Then you can sometimes request an employer's statement.
Transferring to new car or insurance
If you've bought a new car, you'll report the new license plate number to your car insurance company. Your claim-free years will automatically be transferred to your new insurance policy.
Do you want to switch to another insurer? Your new car insurer will extract your claim-free years from Roy-data and link them to your new policy. So you can easily transfer your claim-free years to a new car.
Transferring to second car
You can only use claim-free years for one car. Are you buying a second car? Then you probably want to transfer your claim-free years and the corresponding no-claim discount to the insurance of your second car. Some insurers have a second car scheme for this purpose.
Under this arrangement, the discount from your first car is carried over for the second, but the policies are not otherwise linked.
Transferring from abroad
Often you can transfer claim-free years from abroad to a Dutch car insurance. To do this, your foreign insurer must transfer your claim-free years to your new insurance. This can be done with a claim-free certificate. Not all Dutch insurers accept claim-free years from abroad.
Transferring to other vehicles
Claim-free years usually count only for the type of vehicle you accrued them with. Some insurers also accept claim-free years from other vehicles for discounts. For example, if you switch from a motorcycle to a car.
This is not a set rule and varies by insurer. Therefore, always ask first if it is possible to transfer claim-free years. You can never transfer the claim-free years of your moped to your car insurance.
Frequently asked questions about transferring claim-free years
To whom can you transfer claim-free years?
You can transfer claim-free years to your partner upon divorce or death. This is only possible if your partner was registered at the same address and was listed as a regular driver. In the event of a divorce, you must complete a waiver or division statement. In case of death, additional documents such as a death certificate are required.
When can you transfer claim-free years to your partner?
You can transfer claim-free years to your partner upon divorce or death. This is only possible if your partner was registered at the same address and was listed as a regular driver. In the event of a divorce, you must complete a waiver or division statement. In case of death, additional documents such as a death certificate are required.
Can you take claim-free years with you in a divorce?
Yes, since 2022 it is possible to transfer claim-free years to an ex-partner after a divorce. This applies if you used a car together and the car insurance was in one name. The policyholder determines how many claim-free years are transferred through an official declaration.
How does claim-free years transfer upon death work?
If the policyholder dies, the partner at the same address is usually allowed to take over the claim-free years. Insurers require documents such as a death certificate, proof of cohabitation or marriage and a transfer form for this purpose. Conditions vary from insurer to insurer, so contact them in advance.
How do you make a claim-free years transfer request?
You submit a transfer request to your car insurer. This can usually be done through a form on the insurer's website. For transfer, the recipient must live at the same address and have a driver's license. Always check with your insurer for the exact procedure and conditions.
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