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Claim-free years and no-claims bonus

Car insurance

When you take out a new car insurance policy, you will always be asked if you have any claim-free years. Claim-free years are the years you have gone without claiming on your previous car insurance. The more claim-free years you have, the higher the no-claims bonus on your premium will be. Read on to find out more about claim-free years and the 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.

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 yearsDiscount percentageClaim-free yearsDiscount percentage
15 or more80%464%
1479%362%
1378%258%
1277%154%
1176%050%
1075%-145%
974%-238%
872%-330%
770%-415%
668%-50%
566%

Claim-free years and insuring a second car

Do you insure a second car with ABN AMRO? Then you will also receive (part of) the no-claim discount that you accrued for the first car for your second car. If you have accrued no or fewer claim-free years for the second car, the no-claim discount for a second car can rise to a maximum of 70%. Have you built up more claim-free years with the second car than with the first car? Then you will receive a higher no-claim discount for the insurance of the second car. You will also receive this higher discount of up to 70% for your first car.

Frequently Asked Questions about claim-free years:

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