Requesting claim-free years

When you calculate the premium for your new car insurance, you will always be asked how many claim-free years you have. How do you know how many claim-free years these are?

How exactly does that work with the claim-free years and bonus malus ladder? Damage-free years have been recorded in a national system called Roy Data since 2007. After terminating a car insurance, the old insurer will transmit the claim-free years to this national system within 3 months. In between, this is not updated in the system.

Your claim-free years influence the amount of your premium

The number of claim-free years greatly affects the amount of your premium. Therefore, sometimes it is also useful if you have minor paint damage to your car through your own fault, for example, to fix this yourself. If you claim this on your car insurance, your claim-free years may drop significantly and your premium may become unnecessarily high. Therefore, always consult with team Deck to determine what is smart.

Link tip: claim-free years retrieval at Roy Data

Requesting claim-free years in between

To make it more transparent, the insurer is obliged to give you a statement every year about the number of claim-free years you have accumulated. This is often done when the contract is renewed. In insurance terms, this is called prolongation. If you have lost this overview or don't know where to find it? Then you can always ask your insurer in between how many years you have accrued. Contact your current car insurer for this.

Damage-free years with a lease car

Have you had a leased car? Then things work slightly differently. Most lease companies issue a so-called lease statement when the lease contract is terminated. This states how many damages you may have had and how long the contract was in your name. You can use this statement to take the accrued damage-free years from the lease contract with your car insurance. Just check first whether the lease statement is sufficient.

Please note: the claim-free years you have accrued are not valid indefinitely. The years not in use usually expire after 3 years. So pay attention when leasing, for example.

Read also: How much do you go back in claim-free years if you have 30 claim-free years?