The central database Roy Data

Roy Data is intended for both insurer and policyholder. When canceling a car insurance policy, the insurer is obliged to enter the number of accrued claim-free years in Roy Data. Every insurer can request data in Roy Data. When you take out a new car insurance policy, the insurer will check your claim-free years in Roy Data. So you can be sure that you will get the right premium discount. You don't even have to do anything for this. This was different until September 1, 2007, when you had to prove your claim-free years with a cancellation statement. However, paper statements are more easily lost, so it was not always possible to determine how many claim-free years someone had accumulated. That is why insurers switched to a digital system in 2007.

During the term of your insurance policy, your accrued claim-free years are fixed in your car insurance policy. When the insurance policy is terminated, these accrued claim-free years are released. Your insurer then registers them in Roy-data. However, claim-free years do not remain valid indefinitely. After canceling your insurance, your claim-free years are valid for 3 years with most insurers. With some insurers this is only 2 years, but with others again 4 or even 5 years. How long claim-free years are valid with your insurer can be found in the policy conditions of your insurance.

Please note: claim-free years are not entered into Roy Data until your car insurance is terminated. Is your insurance still running, but would you like to know your claim-free years? Then you can contact your insurer. These claim-free years are not yet in Roy Data.

You as a policyholder can also view your claim-free years in Roy Data. This is done via the website of Stichting EPS. There you can fill in the right of inspection form. Send this form, together with a copy of your proof of identity, via the website. Please note that the data are not always up to date. If you still have a car insurance policy, the claim-free years you accrued during this term are not yet included in the database. You can request these from your current car insurer. In addition, these are also on the policy sheet you receive annually.

During the term of your car insurance you build up claim-free years. Claim-free years are years in which you have not claimed any damage with the insurer. For each claim-free year you go up one step on the bonus malus ladder. The higher you are on the bonus malus ladder, the more premium discount you will receive. So the amount you pay monthly for your car insurance goes down. By driving damage-free, you can build up a discount of up to 70 or 80% with most insurers. These claim-free years are, after termination of the insurance, registered in Roy Data.

You can access your Roy Data data online. However, as a policyholder it is often not necessary to view the data online. Once a year you receive a policy sheet from your insurer on which the number of accrued claim-free years is stated. Have you lost the policy document or do you want to check your claim-free years on Roy Data? Then you can use the right of inspection form on the EPS website. Here you fill in your personal details. After sending the form, it may take a while before you receive your claim-free years. In most cases this takes a maximum of 28 days.

It can happen that the number of claim-free years in Roy Data is incorrect. For example, because your previous insurer registered the wrong number of claim-free years. Do you suspect this to be the case? Then you should contact the insurer who registered these claim-free years. They can then adjust the correct data. There is no point in contacting Stichting EPS about this. They cannot and may not adjust claim-free years. Do not forget that the data in Roy Data are not always up to date. Damage-free years are only registered when an insurance policy is terminated. If your car insurance is still running, these claim-free years have not yet been registered.

The Roy Data system is the digital database in which insurers record claim-free years. Roy Data is an abbreviation for Claims-Free Years Database. If you switch to a new car insurer, they can request your claim-free years and add them to your policy. It is important that the correct number is transferred, because this is used to calculate your no-claim discount. This determines your position on the bonus malus ladder and the premium you will eventually pay. Because Roy Data is a digital system, claim-free years are no longer lost, as was sometimes the case when paper cancellation declarations were still used.

You can request access to your Roy Data data via the EPS website. You can do this using the right of inspection form. Fill in a number of personal details. You should also enclose a copy of your proof of identity. It may take a while before your request is processed and you can actually view your data. You will only get access to claim-free years after the insurance is terminated. If your car insurance is still running, these claim-free years are not yet registered in Roy Data. Should you wish to view them, please contact your current insurer.

The Roy Data register is an online database where insurers register your accrued claim-free years after terminating an insurance policy. This register is accessible to every insurer. When you take out a new car insurance policy, the insurer can see in the Roy Data register how many claim-free years you have.

Do you have a question for the EPS Foundation? Then you can contact us by phone or use the contact form on the website. You can also send an e-mail to [email protected]

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