Claim-free years
The more claim-free years you have, the more premium discount you get. But how can you see how many claim-free years you have? Claim-free years can be requested in 2 ways. With your insurance company or with Roy-data.
Compare car insuranceClaim-free years
By driving claim-free, you build up claim-free years. Having or not having claim-free years makes a big difference to your car insurance. By claim-free driving, you can build up to 80% discount with most insurers. The car insurance must be in your name.
Don't claim any damage during the insurance year? That entitles you to 1 claim-free year. By claiming a damage, on the other hand, you lose claim-free years. You can also have negative claim-free years .
Claim-free years are on your policy
Starting January 1, 2014, you will be told every year how many claim-free years you have. On the policy of the car insurance, most insurers do not state how many claim-free years you have. Often it does say which bonus-malus step you are on or how much discount you get on your premium.
Here's how to request claim-free years
Want to do a premium comparison with another insurance company? Then you want to know how many claim-free years you have. You can make an estimate based on the bonus-malus step or discount percentage, but this is not completely reliable.
There are 2 ways to retrieve your claim-free years:
1
Through your insurer
The fastest choice for claim-free years retrieval? Contact your insurer. They have the most up-to-date data. That way you know where you stand.
2
Via Roy data
You can also request claim-free years in a digital system called Roy-data. Roy-data contains cancellation data, such as the number of claim-free years.
Submit your request to retrieve your data from Roy data via the EPS Foundation website. To do so, complete the right of inspection form. You only need to fill in some personal data and add a copy of your ID. Permission for inspection takes a maximum of 28 days.
Number of claim-free years not correct
Does it appear after inspection that your Roy-data data is not correct? Then contact the insurer that registered the claim-free years. The insurer can then adjust the incorrect claim-free years. There is no point in contacting Stichting EPS for this.
Validity of claim-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. Non-linked claim-free years are still valid for 3 years with most insurers. However, this varies per insurer.
Request lease statement
Did you own a leased car? You can request the claim-free years via a lease statement. You can prove that you did not drive any damage during the period that you had a company car or a private lease car. You can request the lease statement from your lease company.
Carry over claim-free years
Want to make sure your claim-free years don't expire? Then you can transfer (part of) your claim-free years. This can also be useful in the event of a divorce or when breaking a cohabitation contract where you have accumulated the claim-free years together.
Claiming damage-free years of moped or scooter
Claim-free years for your moped or scooter are not visible in Roy-data. Do you want to know how many claim-free years you have accumulated for your moped or scooter? Please contact your insurer.
Compare car insurance
Looking for the lowest premium with your number of claim-free years? Compare car insurance policies and find the best deal in 2 minutes.
Frequently asked questions about claim-free years retrieval
Where do I find claim-free years on my policy?
Your policy usually does not directly state the number of claim-free years. There you will often find your bonus-malus step or discount percentage. If you want to know the exact number of claim-free years, you can ask your insurer or request it via Roy-data.
Are claim-free years from a moped or scooter also visible?
No, damage-free years of a moped or moped are not registered in Roy-data. If you want to request these, you must contact your insurer. They can tell you how many claim-free years you have accumulated on that vehicle.
Does it cost money to request claim-free years?
No, requesting claim-free years is free of charge. Neither your insurer nor Roy-data will charge you for accessing your claim-free years.
Can I retrieve claim-free years from an expired car insurance policy?
Yes, you can also request claim-free years from a terminated car insurance policy. These are stored in Roy-data, provided that the insurance was cancelled after 2007. You can request the data via Stichting EPS.
Can I view my accrued claim-free years across multiple insurers?
You cannot request claim-free years centrally per active policy. Only claim-free years of terminated insurance policies are in Roy-data. For active policies, you have to inquire with each individual insurer.
Related pages about claim-free years
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.