Checking Your Accident-Free Years
The more claim-free years you have, the bigger your premium discount will be. But how can you find out how many claim-free years you have? There are two ways to check your claim-free years: through your insurance company or through Roy-data.
Compare Car InsuranceClaim-free years
By driving accident-free, you build up accident-free years. Whether or not you have accident-free years makes a big difference to your car insurance. By driving accident-free, you can earn a discount of up to 80% with most insurers. However, the car insurance policy must be in your name.
If you don't file a claim during the insurance year, you're entitled to 1 claim-free year. Filing a claim, on the other hand, causes you to lose claim-free years. You can also have negative claim-free years .
Claim-free years are listed on your policy
Starting January 1, 2014, you’ll be notified each year of how many claim-free years you have. With most insurers, your auto insurance policy doesn’t specify how many claim-free years you have. However, it often does indicate which bonus-malus tier you’re in or how much of a discount you’re receiving on your premium.
Here's how to request your claim-free years
Would you like to compare premiums with another insurance company? If so, you’ll want to know how many claim-free years you have. You can make an estimate based on your bonus-malus tier or discount percentage, but this isn’t entirely reliable.
There are two ways to check your claim-free years:
1
Through your insurance company
The quickest way to check your claim-free years? Contact your insurer. They have the most up-to-date information. That way, you'll know exactly where you stand.
2
Via Roy-data
You can also look up your claim-free years in a digital system called Roy-data. Roy-data contains policy cancellation information, such as the number of claim-free years.
Submit your request to access your data from Roy-data via the EPS Foundation website. To do so, fill out the right-to-access form. You only need to provide some personal information and attach a copy of your ID. It takes up to 28 days to grant access.
The number of claim-free years is incorrect
If, after reviewing your Roy-data information, you find that it is incorrect, please contact the insurer that recorded your claim-free years. The insurer can then correct the incorrect claim-free years. There is no point in contacting Stichting EPS about this.
Validity of Accident-Free Years
Claim-free years are normally linked to a car insurance policy. If the claim-free years are no longer linked to a car insurance policy, their validity is limited. For most insurers, unlinked claim-free years remain valid for another 3 years. However, this varies by insurer.
Request a Lease Statement
Have you ever had a leased car? You can request your claim-free years through a lease statement. This allows you to prove that you did not file any claims during the period you had a company car or a private lease car. You can request the lease statement from your leasing company.
Transferring claim-free years
Do you want to make sure your claim-free years don’t expire? If so, you can transfer some or all of your claim-free years. This can also be helpful in the event of a divorce or when terminating a cohabitation agreement under which you’ve built up your claim-free years together.
Request a history of claim-free years for a moped or light moped
Claim-free years for your moped or light moped are not shown in Roy-data. Would you like to know how many claim-free years you’ve accumulated for your moped or light moped? If so, please contact your insurer.
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Frequently Asked Questions About Checking Your Claim-Free Years
Where can I find my claim-free years on my policy?
Your policy usually doesn't list the number of claim-free years directly. However, it often includes your bonus-malus tier or discount percentage. If you want to know the exact number of claim-free years, you can ask your insurer or request this information through Roy-data.
Are the claim-free years for a moped or scooter also displayed?
No, claim-free years for a moped or light moped are not recorded in Roy-data. If you’d like to request this information, you’ll need to contact your insurer. They can tell you how many claim-free years you’ve accumulated for that vehicle.
Does it cost money to request your claim-free years?
No, checking your claim-free years is free. Neither your insurer nor Roy-data will charge you any fees to view your claim-free years.
Can I request my claim-free years from an expired auto insurance policy?
Yes, you can also request your claim-free years from a canceled auto insurance policy. This information is stored in Roy-data, provided the policy was canceled after 2007. You can request the information through Stichting EPS.
Can I view my accumulated no-claims years across multiple insurers?
You cannot request information on claim-free years centrally for each active policy. Only claim-free years for terminated policies are listed in Roy-data. For active policies, you must contact each individual insurer.
How do I know how many claim-free years I have?
You can usually find your claim-free years on your auto insurance policy or in your online insurance portal. After you cancel your insurance, the number of claim-free years is also recorded in Roy-data, the insurers’ central database.
Would you like to know exactly how many years of no-claims history you’ve accumulated? If so, you can submit a request for access to your records to Roy-data through the CIS Foundation. Please note that no-claims years only count if the insurance policy was in your name and no claims were filed.
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