Why is car insurance so expensive for me with no Dutch no-claims history?

Arriving drivers with a decade of claim-free driving behind them routinely get quoted as though they had just passed their test. Whether those years abroad count for anything depends on the individual insurer and on one specific document from the former insurer, which is considerably easier to obtain before leaving than after.

Answers

Because Dutch insurers track claim-free years through a shared registry called Roy-data, and if you've never had a Dutch policy, you show up at the bottom of that ladder regardless of how many accident-free years you actually have abroad. Since a 2022 rule change, insurers are allowed to recognize foreign no-claims history, but nothing obliges them to — each insurer decides for itself, and acceptance varies a lot. Years from Belgium, France, Germany or Luxembourg get accepted almost automatically; further afield it's much more case-by-case. What you need is a royementsverklaring — an official no-claims/cancellation statement from your previous insurer, issued after that foreign policy is actually closed, not just paused. Request it before you leave, then shop around several Dutch insurers rather than taking the first quote, since one might credit five years of history and another might credit none for the identical document.