Transferring claim-free years to a motorhome insurance policy

The maximum discount may vary by insurer. However, claim-free years are tied to the individual. This means you only accumulate claim-free years if the RV insurance is in your name. Suppose you and your partner own an RV that you both drive, but the RV insurance is in your partner’s name. In that case, you won’t accumulate any claim-free years yourself. In certain situations, it’s possible to transfer claim-free years, for example, in the event of your partner’s death. We’ll explain it to you!

However, as of January 1, 2022, it is possible to transfer your partner’s accumulated claim-free years. Before this date, many insurers were already flexible in this regard, but the new legislation has now established a clear policy on this matter. That’s a relief, because when your partner passes away, you’ll have other things on your mind besides claim-free years. The only requirements are that you’re registered at the same address as your partner and that you (of course) hold a valid driver’s license.

Can I transfer my no-claims years in the event of a divorce?

In the event of a divorce, the joint assets are divided between the two former spouses. If you and your partner own a motorhome together, one of you will take it, or perhaps you’ll decide together to sell it. When you’re ready to purchase motorhome insurance again, it’s helpful to have claim-free years. These result in a significantly lower premium. With most insurers, claim-free years remain valid for 3 years after your motorhome insurance policy ends. So you’ll need to take out camper insurance again within three years if you want to be able to use those claim-free years.

Was the RV insurance policy in your partner’s name? If so, you haven’t accumulated any claim-free years yourself. In the event of a divorce, however, the claim-free years can be divided between the former partners. The partner in whose name the pure no-claims years are registered determines the allocation formula. By signing a waiver, this partner relinquishes (part of) the no-claims years. This arrangement prevents one of the two from being left without any no-claims years.

Can I carry over my claim-free years after a lease term?

These days, there are also a number of options for leasing a motorhome. When you lease a motorhome, you do not own it and you return it at the end of the lease term. This means that the motorhome and the motorhome insurance are registered in the name of the leasing company, so you do not accumulate any claim-free years yourself. In the past, it was up to the insurer to decide how to handle these claim-free years. Nowadays, you can have your claim-free years registered in Roy-data using a lease statement. This allows you to transfer the claim-free years from your lease contract and use them for your own motorhome insurance.

Can I transfer my claim-free years from a foreign RV insurance policy?

Claim-free years are recorded in Roy-data after an insurance policy ends. If you take out a new RV insurance policy, the insurer can retrieve your accumulated claim-free years from Roy-data and link them to the new policy. This applies only to claim-free years accumulated in the Netherlands. If you previously had RV insurance abroad that allowed you to accumulate claim-free years, those years will not be recorded. You can transfer the claim-free years from a foreign motorhome insurance policy by requesting a written statement from the insurer specifying the number of claim-free years you’ve accumulated. Since January 1, 2022, the insurer is required to recognize these claim-free years.