The Roy Data Central Database

Roy Data is intended for both insurers and policyholders. When canceling a car insurance policy, the insurer is required to enter the number of claim-free years accumulated into Roy Data. Any insurer can retrieve data from Roy Data. When you take out a new auto insurance policy, the insurer will verify your claim-free years in Roy Data. This ensures you receive the correct premium discount. You don’t even have to do anything yourself. Until September 1, 2007, the process was different; back then, you had to prove your claim-free years with a cancellation statement. However, paper statements are easier to lose, which meant it wasn’t always possible to determine how many claim-free years someone had accumulated. That’s why insurers switched to a digital system in 2007.

During the term of your insurance policy, your accumulated claim-free years are locked into your auto insurance policy. When you cancel the policy, these accumulated claim-free years are released. Your insurer then records them in Roy-data. However, claim-free years are not valid indefinitely. After canceling your insurance, your claim-free years remain valid for another 3 years with most insurers. With a few insurers, this period is as short as 2 years, while with others it can be 4 or even 5 years. You can find out how long claim-free years are valid with your insurer in your insurance policy terms and conditions.

Please note: claim-free years are not entered into Roy Data until your auto insurance policy ends. If your policy is still active but you want to know your claim-free years, please contact your insurer. These claim-free years are not yet recorded in Roy Data.

As a policyholder, you can also view your claim-free years in Roy Data. You can do this through the Stichting EPS website, where you can fill out the right-to-access form. Submit this form, along with a copy of your ID, via the website. Please keep in mind that the data may not always be up to date. If you currently have an active auto insurance policy, the claim-free years you’ve accumulated during this policy term may not yet be included in the database. You can request this information from your current auto insurer. Additionally, this information is also listed on the policy statement you receive annually.

During the term of your auto insurance policy, you accumulate claim-free years. Claim-free years are years in which you have not filed a claim with the insurer. For each claim-free year, you move up one step on the no-claims ladder. The higher you are on the no-claims ladder, the greater your premium discount. This means the amount you pay monthly for your auto insurance goes down. By driving without filing a claim, you can build up a discount of up to 70 or 80% with most insurers. These claim-free years are recorded in Roy Data after the insurance policy ends.

You can request your Roy Data information online. However, as a policyholder, it’s often not necessary to view this information online. That’s because once a year, you’ll receive a policy statement from your insurer that lists the number of claim-free years you’ve accumulated. Have you lost your policy statement, or would you like to check your claim-free years on Roy Data? If so, you can use the right-to-access form on the Stichting EPS website. Fill in your personal information there. After submitting the form, it may take a little while before you receive your claim-free years. In most cases, this takes up to 28 days.

It’s possible that the number of claim-free years in Roy Data is incorrect. This could be because your previous insurer recorded the wrong number of claim-free years. Do you suspect this is the case? If so, you should contact the insurer that recorded these claim-free years. They can then update the information to reflect the correct details. There is no point in contacting Stichting EPS about this. They cannot and are not authorized to adjust the number of claim-free years. Keep in mind that the information in Roy Data is not always up to date. Claim-free years are only recorded when an insurance policy ends. If your auto insurance policy is still active, these claim-free years have not yet been recorded.

The Roy Data system is the digital database where insurers record claim-free years. Roy Data is an abbreviation for “Royementsverklaring Database” (Claim-Free Period Declaration Database). If you switch to a new auto insurer, they can retrieve your claim-free years and add them to your policy. It’s important that the correct number is transferred, because this is used to calculate your no-claims discount. This determines your position on the bonus-malus scale and the premium you’ll ultimately pay. Because Roy Data is a digital system, claim-free years are no longer lost, as was sometimes the case when paper cancellation statements were still in use.

You can request access to your Roy Data records through the EPS Foundation website. You can do this by filling out the right-to-access form. On this form, you’ll need to provide some personal information. You’ll also need to attach a copy of your ID. It may take some time for your request to be processed and for you to actually gain access to your data. You can only view your claim-free years after your insurance policy has ended. If your auto insurance policy is still active, these claim-free years are not yet recorded in Roy Data. If you’d like to view them, please contact your current insurer.

The Roy Data registry is an online database where insurers record your accumulated claim-free years after your insurance policy ends. This registry is accessible to all insurers. When you purchase a new auto insurance policy, the insurer can check the Roy Data registry to see how many claim-free years you have.

Do you have a question for the EPS Foundation? If so, you can contact us by phone or use the contact form on our website. You can also send an email to secretariaat@seps.nl

Phone: 088 – 7781122

Hours of operation:

Mon–Fri: 8:30 a.m.–12:00 p.m. / 1:00 p.m.–4:00 p.m.
Sat–Sun: Closed