Transferring Accumulated Claim-Free Years
Claim-free years are tied to a car insurance policy in your name and cannot be transferred to someone else. There are a few exceptions where this is possible. There are rules governing this. In some cases, you can transfer claim-free years to your ex-spouse in the event of a divorce, or inherit them if your spouse passes away.
Transferring claim-free years through a request
Claim-free years are tied to a car insurance policy in the name of the person who purchased the insurance. Claim-free years are a reward for your driving behavior.
Do you have many claim-free years? If so, you’ll usually get a discount on your premium. That’s why they can’t be transferred to someone else, such as a child living at home.
In the following cases, it is possible to transfer them to another person so that you don't have to start over in accumulating claim-free years:
Do you have a new car or a second car? Or did you have a leased car? In those cases as well, your claim-free years will be transferred to your auto insurance policy.
Submit a request
The person to whom you want to transfer this must be registered at the same address and have a driver's license. If you meet these requirements and want to transfer your claim-free years, submit a request to your insurer.
Transferring claim-free years to a spouse in the event of a divorce
Does your partner not have car insurance in their name, but do they drive just as often as you do? In that case, your partner won’t build up any no-claims years. As long as you’re together, that’s usually not a problem.
In the event of a divorce or the dissolution of a registered partnership, claim-free years can be transferred as of 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 own two cars together, and are both car insurance policies in your name? If so, you can transfer one set of no-claims years to your partner. Only the policyholder can transfer no-claims years to someone listed as a regular driver on the policy.
The policyholder decides how many claim-free years will be transferred. You can arrange this through a waiver or a split agreement.
Transferring claim-free years upon death
If the insured person dies, the partner who lived at the same address is often allowed to take over the no-claims years. Without your own no-claims years, car insurance is much more expensive—even if you haven’t had any claims for years.
Most insurers require the following:
A copy of the death certificate
A declaration of cohabitation or marriage/partnership
A completed transfer form
The specific rules vary by insurer, so always ask first if it's possible to transfer the policy.
Other situations in which you can transfer your claim-free years
Transferring a Leased Car
Have you ever had a (private) lease agreement? With a lease, your accident-free years are not transferred, but a lease statement can be used to prove that you’ve driven accident-free. This document specifies how many years the car was used and how many accidents occurred. You can request a lease statement from your leasing company.
Employees who drive a company car do not officially accrue no-claims years. Are you taking out a new auto insurance policy on your own? If so, you may be able to request a statement from your employer.
Transfer to a new car or insurance policy
Did you buy a new car? If so, you'll need to provide your new license plate number to your car insurance company. Your no-claims years will automatically be carried over to your new insurance policy.
Would you like to switch to a different insurance company? Your new auto insurance provider will retrieve your claim-free years from Roy-data and link them to your new policy. This makes it easy to transfer your claim-free years to a new car.
Transfer to a second car
You can only apply your claim-free years to one car. Are you buying a second car? If so, you’ll probably want to transfer your claim-free years and the associated no-claim discount to the insurance policy for your second car. Some insurers offer a “second car” policy for this purpose.
Under this plan, the discount from your first car is carried over to your second car, but the policies are not otherwise linked.
Transferring from Abroad
You can often transfer your claim-free years from abroad to a Dutch auto insurance policy. To do this, your foreign insurer must transfer your claim-free years to your new insurance policy. This can be done with a claim-free certificate. Not all Dutch insurers accept claim-free years from abroad.
Transfer to Other Vehicles
Claim-free years usually count only for the type of vehicle with which you accumulated them. Some insurers also accept claim-free years from other vehicles toward a discount. For example, if you switch from a motorcycle to a car.
This is not a fixed rule and varies by insurer. Therefore, always check first to see if it’s possible to transfer your claim-free years. You can never transfer the claim-free years from your moped to your car insurance.
Frequently Asked Questions About Transferring Claim-Free Years
To whom can you transfer your claim-free years?
You can transfer your claim-free years to your spouse in the event of a divorce or death. This is only possible if your spouse was registered at the same address and listed as a regular driver. In the event of a divorce, you must complete a waiver or division statement. In the event of death, additional documents, such as a death certificate, are required.
When can you transfer your claim-free years to your partner?
You can transfer your claim-free years to your spouse in the event of a divorce or death. This is only possible if your spouse was registered at the same address and listed as a regular driver. In the event of a divorce, you must complete a waiver or division statement. In the event of death, additional documents, such as a death certificate, are required.
Can you transfer your claim-free years in the event of a divorce?
Yes, since 2022, it has been possible to transfer claim-free years to an ex-spouse after a divorce. This applies if you shared a car and the auto insurance was in one person’s name. The policyholder determines how many claim-free years are transferred by means of an official statement.
How does the transfer of no-claims years work in the event of death?
If the policyholder dies, the partner living at the same address can usually transfer the no-claims years. Insurers require documents such as a death certificate, proof of cohabitation or marriage, and a transfer form. The terms and conditions vary by insurer, so be sure to contact them in advance.
How do you request a transfer of no-claims years?
You must submit a request for transfer to your auto insurance provider. This can usually be done using a form on the insurer’s website. To transfer the policy, 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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