What your car insurer can see about you

What you tell them on the application

Every quote starts with your answers: your age and licence years, the car and how you use it, your postcode, your yearly kilometres, and your claims in recent years. The insurer sets the price on those answers. A wrong answer can cost you cover, so answer what is asked and keep a copy of what you sent.

Your claims history follows you

In the Netherlands every motor insurer reports ended policies to Roy-data, the central database for schadevrije jaren. The Verbond van Verzekeraars writes the rules for it in Bedrijfsregeling 11, and your new insurer reads your years there to set your bonus-malus step. If the number looks wrong, ask the insurer you left: only insurers can correct the record.

Belgium has no Roy-data. Your new insurer asks about your claims in recent years and can check with your previous insurer. Keep your claims letters and the end date of each policy, so you can show the record yourself when you switch.

The odometer leaves a trail

Readings you send are checked against registers that you cannot edit. In the Netherlands the RDW keeps odometer readings and judges each series logisch or onlogisch. In Belgium the Car-Pass is the record: belgium.be says the seller must hand over a Car-Pass no older than two months at every sale of a used car or light van, and garages forward readings with a description of the work since 2024. How to photograph a reading is in How to read and photograph your odometer.

Driving behaviour exists only with your consent

Some insurers sell policies that follow speed, braking or phone use through an app or a box in the car. That tracking starts only after you agree to it and install the app or the box. Without your consent the insurer holds no driving data about you. You can withdraw consent later; ask the insurer first what that means for the policy.

Your GDPR rights at your insurer

The GDPR gives you the right to see your data and to have it deleted. The Dutch regulator points to Article 15 for access and Article 17 for erasure. Ask your insurer for a copy of your file: claims, readings, letters, notes. The insurer must answer within a month. If the answer stays away, complain to your national data protection authority.

What Tesla keeps, and how to ask for it

Tesla says your car generates vehicle, diagnostic, infotainment and Autopilot data, and that this driving data is not linked to your identity or account by default. Tesla also says it does not tie your location to your account or keep a history of where you have been, outside serious safety events such as a crash. Switches for data sharing sit on the car touchscreen.

For a copy of your data, Tesla points owners to a data privacy request in their Tesla account, or to privacy@tesla.com. Name the period you want, for example the month of a claim, and keep the reply with your claim file.

Cushly asks for two counters only: total kilometres and kilometres on FSD (Supervised). No location, no live tracking, no account access. A photo of each counter is enough.

How declared kilometres turn into a premium is in Pay-per-km car insurance in the Netherlands and Belgium. To split your own kilometres, use the FSD share calculator.