How can I retrieve Roy Data claim-free years?
If you have car insurance in your name, you build up claim-free years. Claim-free years are years that you have not claimed any damage with your insurer. Damage-free years are beneficial, because the more damage-free years you have accumulated, the more premium discount you get. This means that your car insurance becomes more advantageous. Damage-free years are nowadays registered in Roy Data. This happens after the insurance is terminated. The insurer registers the claim-free years in Roy Data, so they are visible to other insurers. Your new insurer can then add the claim-free years to your policy. Not only insurers can request data in Roy Data. You as a policyholder can too. On Geennee.nl we explain how to do that.
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What does Roy Data mean?
Roy Data stands for Royalty Statement Database and is the central database of Stichting Efficient Processes Schadeverzekeraars(Stichting EPS). When you cancel your car insurance, the insurer records your accumulated claim-free years in the database. When you take out a new car insurance policy, your new insurer consults Roy Data to see how many claim-free years you have. This way, the insurer can grant the right premium discount. Because everything is recorded digitally, you no longer have to provide a termination statement when taking out a new car insurance policy.
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Why are claim-free years recorded in Roy Data?
You used to receive a termination notice after canceling insurance. This stated the number of claim-free years you had accumulated with the vehicle. This statement was issued once and you had to show it to your new insurer when taking out a new car insurance policy in order to keep your accumulated claim-free years. This way you could prove your claim-free years.
However, as of September 1, 2007, insurers switched to a digital system: Roy Data. Since then, insurers register the accrued claim-free years here, after termination of the insurance. Losing or not receiving the termination statement is no longer an issue, because all data is registered digitally.
How can I retrieve my claim-free years?
You can request your claim-free years in Roy Data from the EPS Foundation website. You can do this by means of the right of inspection form. Here you fill in your personal details. Then you send the form, together with a copy of your proof of identity, digitally. After sending the form, it may take a while before you receive your claim-free years. In most cases, this takes up to 28 days.
Please note that the data are not always up to date. Claim-free years of your current car insurance are not yet registered and can therefore not be retrieved via the EPS Foundation. For this you can contact your insurer. Your claim-free years are also listed on the policy document that you receive each year from the insurer.
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Are you planning a new car insurance? On Geennee.nl you can easily compare insurance policies and calculate an indication of the premium. Do you have negative claim-free years? Then it is sometimes difficult to get car insurance from a regular company. In that case you can always turn to the Vereende. De Vereende is specialized in insuring special risks. Do you still have questions? Then please contact us! We will gladly help you insure your car.
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