A Notice of Expulsion
A claim-free history statement is a letter that shows how many claim-free years you have accumulated under your auto insurance policy. Through 2007, you would always receive this statement from the insurer when you canceled your policy. Now, insurers use a digital database called Roy Data.
Request a notice of termination
Have you never received a cancellation notice, or have you lost it? You can try requesting a new copy from your former insurer, but this is usually no longer necessary. Since 2007, this document is generally no longer issued for cars and motorcycles.
If you cancel your moped or scooter insurance, you may still receive a cancellation notice.
Canceling a Car Insurance Policy
"Cancellation" literally means to terminate or discontinue. An insurance policy can be canceled by you or by an insurer. A cancellation notice is therefore a statement of cancellation—in other words, proof that the insurance policy has been terminated.
Claim-free years are listed in Roy-data
Roy Data is the central database of the EPS Foundation (Efficient Processes for Property and Casualty Insurers). When you cancel your auto insurance policy, the insurer records your accumulated claim-free years in this database.
When you take out a new auto insurance policy, the insurer checks the Roy Data database to see how many claim-free years you have. As a result, you no longer need to provide a cancellation statement when you take out a new auto insurance policy.
Declaration of Termination for Leased Vehicles
Have you been driving a leased car for a few years without any claims? If so, you can request a lease statement from the leasing company. This statement indicates how many claim-free years you have. Usually, your new insurer will simply accept these claim-free years, as long as you haven’t filed any claims.
A lease statement not only indicates how many years you’ve driven the car, but also how much damage you’ve caused. With leased cars, all damage—even minor damage—is usually reported. As a result, the lease statement is often less favorable for lease drivers.
Validity of the Notice of Termination
Just like your claim-free years, a cancellation notice isn’t valid forever. With most insurers, your claim-free years remain valid for 3 years after your auto insurance policy ends. If you don’t plan to get a new auto insurance policy for a while, it might be smarter to temporarily pause your coverage.
If you take out a new insurance policy within 3 years, be sure to check whether the new insurer uses a 1-year or 3-year policy term. This determines whether you’ll retain your no-claims years or have to start building them up again from scratch.
Employer's Statement for a Company Car
Have you driven a company car and now want to purchase your own auto insurance? If so, ask your employer for a statement from your employer. With this statement, you can show that you did not cause any damage while driving the company car.
Please note: 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 accept an employer's statement.
Declaration of Disassociation in the Event of a Divorce
In the event of a divorce, you can choose to transfer some of your no-claims years to your ex-partner. If you own a car together, the auto insurance is usually in one person’s name. The other person will not accumulate any no-claims years, even if you both use the car equally.
If you break up, one of you may lose your claim-free years. To prevent this, you can transfer your claim-free years to your ex-partner. You can do this by requesting a waiver.
Frequently Asked Questions About the Notice of Termination
Do I still need a cancellation notice to get new auto insurance?
No, usually not. Since 2007, insurers have been using the central Roy Data database to record claim-free years. When you take out a new auto insurance policy, the insurer checks this database. So you no longer need to submit a paper cancellation statement.
What is Roy Data, and how does it work?
Roy Data is a digital database maintained by the EPS Foundation in which insurers record claim-free years when a car insurance policy is terminated. New insurers automatically consult this database to see how many claim-free years you have accumulated.
When are you still likely to receive a notice of termination?
For moped or scooter insurance, a cancellation statement is sometimes still issued because not all claim-free years are recorded in Roy Data. Such a statement may also still be relevant in older cases (prior to 2007).
How long is a cancellation statement or a record of accident-free years valid?
With most insurers, your claim-free years remain valid for up to 3 years after your auto insurance policy ends. If you take out a new policy within that period, you’ll retain your claim-free years. Some insurers have a shorter validity period of 1 year, so always check this in advance. Over time, your right to your accumulated claim-free years expires.
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