ROY Data: can I view my claim-free years?

Claim-free years request at ROY Data

As a consumer, you can request your own claim-free years from ROY Data. You do this by submitting a request to SEPS via their website. To do this, you must send a copy of your identity document. Within a few working days you will receive an overview of your claim-free years. Another way to find out your claim-free years is to contact your current or previous car insurance company. Often the number of claim-free years is also stated on your policy schedule or in the cancellation letter of your previous insurer.

Cumbersome

So it’s not as simple as just logging onto a website to view your claim-free years. You must make an official request to SEPS (the administrator of ROY Data) and include a copy of your ID. This process may take a few business days before you receive a response. Insurers themselves are not allowed to provide access to the ROY Data database, but they can tell you how many claim-free years you have accumulated with them. You can often find this on your policy schedule or in your insurance termination letter.

Why is the information so shielded?

The information in ROY Data is so shielded for privacy and fraud prevention reasons. Because claim-free years directly affect the amount of your premium, insurers want to prevent this data from being misused. Here are a few key reasons why access is restricted:

Privacy protection
The claim-free years fall under personal data. Therefore, they may only be passed on to you personally or to an insurer with whom you take out a policy. This prevents others from viewing your data without your permission.

Fraud Prevention
Claim-free years directly affect your premium. If this information were freely accessible, people could try to manipulate the data or falsely claim claim claim-free years. Centralizing this and providing only controlled access prevents fraud.

Streamline insurance process
The database is primarily intended for insurers so that they can correctly take over your claim-free years when switching or taking out new insurance. If consumers had free access, administrative errors or misinterpretations could result.

Preventing third-party misuse
Without protection, outside parties, such as commercial companies or scammers, could gain access to sensitive insurance data and use it for unwanted offers or even identity fraud.

So while it is somewhat cumbersome to request your claim-free years, this is mainly to protect your data and ensure the reliability of the insurance system.