insurer wants to know our claims history from recent years, how should I fill that in

Claims history is factual, not a risk assessment

The insurer wants a factual overview: which claims have been reported in recent years, when, what was the cause, what was paid out and which claims are still pending. This is not a request to provide your own risk assessment, but a listing of events. In most cases, the insurer asks for a period of three to five years, per type of insurance (for example liability, fire, transport, cyber). The supporting document for this is usually a claims overview from the current or previous insurer, also called a "loss run", or an internal overview with the same data.

If the company has had no claims in that period, then "nil" or "no claims" is the answer, not a blank field. If a complete overview from a previous insurer is missing — for example because it no longer exists or does not respond — then fill in what is known from your own records and show which part is missing, instead of guessing at figures. This topic is closely related to the question about the financial health of the company, because insurers often assess claims history in combination with that data. Note that this is different from the question about a current credit assessment: that concerns the company's payment capacity, not insurance claims.

No legal source, but established market practice

For this specific answer, there is no article in the supplied regulations that prescribes what a claims history overview must contain: the Trade Register Act, the Wwft and the CSRD address other topics (registration data, client due diligence and sustainability reporting). The question about claims history stems from the insurer's own acceptance conditions, not from a law. Therefore, the answer here is based on what is common practice in the market, not on a legal obligation.