How to calculate the number of claim-free years in case of damage?

We use the table below to calculate the number of claim-free year in case of damage:

If you were never insured before, your number of claim-free years is “0”.

You can reach a maximum of – 5 with the claim-free years.

Example of calculation of claim-free years:

With your first car insurer you have accrued 10 claim-free years. At some point you switched to a new insurer. At the time of the switch, the old insurer entered 10 claim-free years in Roy data. You have now been with the new insurer for 5 years and 7 months. You then have at least 10 + 5 years = 15 claim-free years.