How can I retrieve Roy Data claim-free years?
If you have a car insurance policy in your name, you accumulate claim-free years. Claim-free years are years during which you have not filed a claim with your insurer. Claim-free years are beneficial because the more claim-free years you have accumulated, the greater the premium discount you receive. This means your car insurance becomes more affordable. Claim-free years are now recorded in Roy Data. This happens after the insurance policy ends. The insurer records the claim-free years in Roy Data so that they are visible to other insurers. Your new insurer can then add the claim-free years to your policy. It’s not just insurers who can access data in Roy Data—you, as the policyholder, can too. On Geennee.nl , we Geennee.nl how to do this.
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What does Roy Data mean?
Roy Data stands for "Royementsverklaring-Database" and is the central database of the Foundation for Efficient Processes in Non-Life Insurance (Stichting EPS). When you cancel your auto insurance, the insurer records your accumulated claim-free years in the database. When you purchase a new auto insurance policy, your new insurer consults Roy Data to see how many claim-free years you have. This allows the insurer to apply the correct premium discount. Because everything is recorded digitally, you no longer need to submit a cancellation statement when taking out a new car insurance policy.
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Why are claim-free years recorded in Roy Data?
In the past, when you canceled an insurance policy, you would receive a cancellation statement. This statement indicated the number of claim-free years you had accumulated with that vehicle. This statement was issued only once, and you had to show it to your new insurer when taking out a new car insurance policy in order to retain your accumulated claim-free years. This allowed you to 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 no-claims years in Roy Data via the Stichting EPS website. To do this, use the right of access form. Fill in your personal information on the form. Then submit the form digitally, along with a copy of your ID. After submitting the form, it may take some time before you receive your claim-free years. In most cases, this takes up to 28 days.
Please keep in mind that the data is not always up to date. This is because the claim-free years from your current car insurance policy have not yet been recorded and therefore cannot be retrieved through Stichting EPS. For this, you can contact your insurer. Your claim-free years are also listed on the policy statement you receive from your insurer each year.
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Are you planning to get new car insurance? On Geennee.nl , you Geennee.nl easily compare insurance policies and get an estimate of your premium. Do you have a history of claims? If so, it can sometimes be difficult to get car insurance from a traditional provider. In that case, you can always turn to De Vereende. De Vereende specializes in insuring special risks. Do you have any questions? Please don’t hesitate to contact us! We’re happy to help you insure your car.
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