Claim-free years and no-claims bonus

Why claim-free years?

Each year during which you have car insurance and do not claim on it counts as one claim-free year. In general, the more claim-free years you have, the lower the risk of you causing damage in the future. This is good news for the insurer, which is why you get a higher no-claims bonus if you have a greater number of claim-free years. The bonus can be as much as 80%.

How many claim-free years do I have?

Your current insurer will be able to tell you how many claim-free years you currently have. It is also stated on your policy. Your claim-free years are also registered in a central database called Roy-data. Your insurer can contact the administrators of the database to ask how many claim-free years you have accumulated. Once you have taken out your car insurance, your new insurer will always check with Roy-data to verify your exact number of claim-free years. If the number of claim-free years you stated in your application differs from the database, your premium will be adjusted.

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No-claims bonus for car insurance

Each year during which you have car insurance in the Netherlands and do not claim on it counts as one claim-free year. The table below shows the bonus you will get for your claim-free years. If you have fewer than zero claim-free years, you cannot take out your car insurance online. Please contact us if you want to take out car insurance.

Claim-free years	Discount percentage
15 or more	80%
14	79%
13	78%
12	77%
11	76%
10	75%
9	74%
8	72%
7	70%
6	68%
5	66%
4	64%
3	62%
2	58%
1	54%
0	50%
-1	45%
-2	38%
-3	30%
-4	15%
-5	0%

Claim-free years and insuring a second car

If you have another car insured with ABN AMRO, some or all of the no-claims bonus you have accrued for your first car will also apply to your second car. The no-claims bonus for a second car can be up to a maximum of 70%, but if the driver of the second car has a higher no-claims bonus, you will get the same bonus for your first car.

Frequently Asked Questions about claim-free years:

When do I keep my claim-free years?

You will keep your claim-free years in the following situations:

Theft and break-ins
Fire, storms, natural disasters
Window damage
Damage caused to your car when transporting an injured person
Damage for which the costs can be recovered from another party
Compensation that you pay back to ABN AMRO Schadeverzekeringen within 24 months of receiving it
Injury to a pedestrian or cyclist if you can prove that you were not at fault

Negative claim-free years

You get one claim-free year for each year in which you have car insurance in the Netherlands and do not make a claim. The number of claim-free years determines your bonus for your car insurance premium. If you make a claim, a deduction will be made from your number of claim-free years, meaning you lose part of your bonus. If you are a new driver or you often incur damage, your number of claim-free years may drop below zero when you submit a claim. This means that you have a negative number of claim-free years.

Claim on my insurance or pay for the damage myself?

You can always opt to pay for the damage yourself. If you do, you will keep your claim-free years. When in doubt as to whether to pay or claim, you can always contact us on +31 (0)38 49 67 123 (usual call charges apply).

Can I include claim-free years accumulated with my company-leased car?

If you have accumulated claim-free years driving a company-leased car, you can transfer them to your new insurer. Given that these claim-free years are not registered to your name in the central database, you will need a lease statement from your leasing company. Please forward this lease statement to:

ABN AMRO Verzekeringen
Postbus 10085
8000 GB Zwolle

Can I include claim-free years accumulated with my motorcycle?

If you have accumulated claim-free years with your motorcycle, and this was over a period that does not overlap with the claim-free years for your car, you can add these claim-free years to the total on your car insurance.

Can I include my partner’s claim-free years?

If you and your partner drove the same car, but only your partner has accumulated claim-free years, you can use your partner’s claim-free years. Your partner will then have to transfer his or her claim-free years to you using the release form (in Dutch).