This is how long your claim-free years apply

Claim-free years apply if you own a car and have it insured in your name. If you then don’t drive a car, your registered years can easily be lost. This is how long your claim-free years apply.

You build up claims-free years by not driving your insured car damage – or not claiming a claim. The more years you have, the less premium you pay.

Roy data

If you have insured a car, the claims-free years are extended. If you change car insurance or change your vehicle, the years you have saved remain valid. However, your years are not unlimited.

If you cancel your insurance, your claim-free years are stored in so-called Roy-Data of the Stichting Efficiënte Processen Schadeverzekeraars. You can use this link to see how many years you have accumulated if you are not insured now.

If you don’t have car insurance now and are in your Roy-Data years, it’s possible these will expire. Not immediately, but after a few years.

This is how long your claim-free years apply

With most insurers, the claims-free years also apply after 3 years without insurance of a car. However, this varies depending on the health insurance company. Autovisie goes into the validity of the claims-free years with the seven best insurers according to the consumer advice center.