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When do claim-free years expire?

Damage-free years make car insurance more affordable. This is because they entitle you to a discount on the premium. By taking out a car insurance policy in your name you build up claim-free years. During the insurance year no claims on the car insurance, entitles you to one claim-free year. By claiming damage, on the other hand, you lose claim-free years. What else should you know about the claim-free years of your car?

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Claim-free years expired

Are my claim-free years in the roy-data?

Your accrued claim-free years are linked to the car insurance policy. When terminating the insurance, the accrued non-life years are released. If you took out a car insurance policy after September 1, 2007, you will find all your accrued claim-free years in Roy-data. Claim-free years are recorded by the insurer in Roy-data. Roy-data is a central database in which insurers can look to see how many claim-free years you have accumulated. In addition, insurers can record the accumulated years in Roy-data. When applying for a new car insurance policy, insurers can consult Roy-data, but this is not possible when switching policies. The years are in fact still fixed in the current insurance. In that case, you can prove how many years you have accumulated on the basis of the policy.
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You no longer receive an expiration notice after you cancel your car insurance. An annulment sheet showed the number of accrued claim-free years you had accumulated during the term of the insurance. The insurer does not issue an expiration notice because this data is placed directly in Roy-data.

Do claim-free years expire with Roy-Data?

Your accumulated claim-free years are fixed in a car insurance policy. Damage-free years are only entered in Roy Data after you end the car insurance. Claims-free years built up during a car insurance that is still running, are therefore not yet in Roy Data. Unfortunately, damage-free years do not remain valid indefinitely. After canceling your car insurance, claim-free years are valid for 3 years with most insurers. The claim-free years remain in Roy Data for 3 years. After these 3 years they are no longer valid and will expire. When taking out your car insurance, always check how long the claim-free years are valid with your insurer.

Do claim-free years expire?

When claims-free years are no longer linked to a car insurance, their validity is limited. In the past, these claim-free years were only valid for one year. This proved to be an unreasonably short period. Therefore most insurers now offer a period of three years in which the claim-free years are not linked to an insurance policy. If they are not linked to an insurance company within these three years, the claim-free years expire.

When do claim-free years expire?

Claim-free years are therefore not valid indefinitely, but expire when you cancel an insurance policy and do not take out an insurance policy within three years in which you use the claim-free years. You can also temporarily stop your car insurance. The temporary stop of the car insurance is also called suspension. As it were, you interrupt the car insurance without terminating it. This way, your claim-free years will also remain valid for three years. This can be a good option when you are not sure how long you will be without a car.

After how many years do claim-free years expire?

Claim-free years expire with most insurers after 3 years. So you have to take out another insurance policy within 3 years using the claim-free years, otherwise they are no longer valid. A pity, because if at some point you do take out another car insurance policy in your name, you have to start building up all over again. For every year you drive claim-free, you get 1 claim-free year.

How do you lose claim-free years?

During a current car insurance policy, your claim-free years will not expire. What can happen, however, is that you lose claim-free years. By claiming on your car insurance policy, you lose claim-free years. One claim can cost you five claim-free years. Because of fewer claim-free years, the premium in the following insurance year can rise sharply. Not all claims result in a loss of years. Damages that are insured in the WA limited casco are not at the expense of the claim-free years. These include, for example, windshield damage, storm and hail damage and theft of the car. In case of damage caused by a collision or vandalism, the claim on the insurance will be at the expense of your claim-free years.

Read also:

Private lease - What happens to the accumulated claim-free years?

The disadvantages of private lease

Claim-free years transferable since 1-1-2022

Since Jan. 1, 2022, claim-free years are transferable in some situations. Upon death, for example, they can be transferred to the surviving partner. Also for lease drivers and drivers who have lived abroad for years, it is now possible to transfer claim-free years. This way they do not lose their accumulated claim-free years. You can read more about this new regulation in our blog post.

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