How can I retrieve information in Roy Data?
Claim-free years used to be demonstrated with a statement of cancellation. Since September 1, 2007, however, insurance companies have switched to a digital system: Roy Data. Roy-Data is the name of a royalty data system for the insurance market. Roy Data (Royementverklaringen-Database) ensures that claim-free years can be stored digitally and are therefore more easily accessible. Not only insurers can request data from the Roy Data register, you as a policyholder can too. On Geennee.nl we explain how to do that.
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How do claim-free years work in Roy Data?
Claims-free years are put into Roy Data after your car insurance is terminated. If you then take out a new car insurance policy, your new insurers can request your claim-free years in Roy Data. It then adds these to your insurance policy. This digital system has great advantages. For example, it is no longer necessary to hand over the paper statement of cancellation (bonus-malus statement) when switching to a new insurance company.
Claims-free years are unfortunately not valid indefinitely. After canceling your car insurance, your claim-free years are valid for 3 years with most insurers. This differs per insurer. With some insurers this is only 2 years, but with others again 4 or even 5 years. So always check when taking out your car insurance how long claim-free years are valid with your insurer. So you know how long your claim-free years remain in the Roy Data system.
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Requesting information online
You can request information in Roy Data from the EPS Foundation website. You can do this by filling in the right to inspection form and attaching a copy of your proof of identity. Keep in mind that it may take some time before you actually receive the data. It generally takes up to 28 days.
The information in Roy Data is not always up to date. Damage-free years are only recorded in Roy Data when your car insurance is terminated. If you still have a car insurance policy, the claim-free years you have accrued during that period are not yet registered. Damage-free years built up while your car insurance is still running can be requested from your insurer. They will also list these annually on the policy schedule.
Does this affect car insurance?
When you take out a new car insurance policy, the insurer will look in Roy Data to see how many claim-free years you have accumulated. If the claim-free years have not yet been claimed by another company, they will be assigned to the new policy.
You can also have negative claim-free years. When you have negative claim-free years, this is called a malus situation. The consequence of negative claim-free years is that you have to pay a higher premium for your car insurance. When your balance is negative, this can affect your ability to get a new car insurance policy. This is because it is not a given that every insurance company will accept drivers with a malus situation. Before canceling your insurance, it is wise to check with the new insurance company to see if they are willing to accept you. Otherwise, you can always turn to insurance company de Vereende. They have a broader acceptance policy and will therefore almost always accept your application.
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