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Damage to your car

How ABN AMRO helps you in the event of damage to your car

If you suffer damage to your car caused by yourself, another person or weather conditions, for example, ABN AMRO is here to help you. Find out how to file a claim and how we can help you in different situations.

Vandalism

Few things are more infuriating than finding your car vandalised. Here's how we can help.

Theft or burglary

Find out which things are covered by your car insurance in the event that your car is stolen or broken into.

Fire damage

Has your car caught fire as a result of vandalism or a collision? This is how we can help.

Natural disaster

Find out what your car insurance covers if your car is damaged during a natural disaster.

Roadside assistance

A dead battery, flat tyre or engine failure? It can happen to anyone. Fortunately, you and your car will not be stranded for long thanks to our prompt roadside assistance. If your car refuses to budge for whatever reason, we will provide you with a courtesy car to help get you back on the road as quickly as possible. The breakdown cover in your car insurance offers roadside assistance should your car and RV break down.

What to do in the event of damage

Caused by a breakdown

Roadside assistance is covered by the additional modules 'Breakdown assistance Netherlands' and/or 'Breakdown assistance abroad'. View your options: 

  • If your car breaks down while you're on the road, in the town or city where you live or at home, call us on 026 400 23 45. If calling from outside the Netherlands, please call + 0031 26 400 23 45. Roadside assistance is available 24/7. 
  • An employee will go through the details with you and make sure you receive the appropriate help as soon as possible. 
  • If you are on the road and repair is not immediately possible, we will arrange a courtesy car for you so you can get back on the road as quickly as possible.
Caused by yourself

Damage to your car caused by yourself is only covered by a Third-Party Liability + Comprehensive Cover policy. There cannot have been deliberate intent. Here's what you can do: 

  • File your claim online or over the phone.
Caused by another party, details known

Damage to your car caused by another party will often be compensated by the other party's car insurance. With the Direct Claims Settlement (DCS), you only need to report the damage to us. We'll do the rest. 

  • File your claim online or over the phone. 
  • If you are eligible for DCS, we will contact the liable party's insurer and submit the claim. 
  • We will compensate you for the damage straight away. That way, you will not have to wait a long time for the liable party's insurer to pay out.

More about direct claim settlement
Caused by another person, details unknown or uninsured offender

In the event of damage to your motor vehicle caused by another person whose details you do not have, you can file a claim with the Dutch Motor Traffic Guarantee Fund (Waarborgfonds Motorverkeer) . You can also file a claim here if the offender is uninsured. The Guarantee Fund helps those who have incurred damage caused by an unknown or uninsured offender. Before submitting your claim, check the conditions that your claim has to meet.

Caused by theft, burglary or vandalism

Theft and burglary are covered by Third-Party Liability + Limited Cover and Third-Party Liability + Comprehensive Cover. Vandalism is covered by a Third-Party Liability + Comprehensive Cover policy. View your options: 

  • Read the checklist to find out which documents you need and have them to hand. File your claim online or over the phone. 
  • If the claim is covered, you can immediately make an appointment to arrange for the repair of your car. Otherwise, we will let you know within 8 business days how ABN AMRO Verzekeringen intends to settle the claim. 
  • You can have your car repaired through the ABN AMRO Claims Service. To find a car repair shop near you, visit the Schadegarant website . You can also contact a repair shop of your choice.

What to do in the event of damage

Caused by a breakdown
Caused by yourself
Caused by another party, details known
Caused by another person, details unknown or uninsured offender
Caused by theft, burglary or vandalism

Caused by a breakdown

Roadside assistance is covered by the additional modules 'Breakdown assistance Netherlands' and/or 'Breakdown assistance abroad'. View your options: 

  • If your car breaks down while you're on the road, in the town or city where you live or at home, call us on 026 400 23 45. If calling from outside the Netherlands, please call + 0031 26 400 23 45. Roadside assistance is available 24/7. 
  • An employee will go through the details with you and make sure you receive the appropriate help as soon as possible. 
  • If you are on the road and repair is not immediately possible, we will arrange a courtesy car for you so you can get back on the road as quickly as possible.

Caused by yourself

Damage to your car caused by yourself is only covered by a Third-Party Liability + Comprehensive Cover policy. There cannot have been deliberate intent. Here's what you can do: 

  • File your claim online or over the phone.

Caused by another party, details known

Damage to your car caused by another party will often be compensated by the other party's car insurance. With the Direct Claims Settlement (DCS), you only need to report the damage to us. We'll do the rest. 

  • File your claim online or over the phone. 
  • If you are eligible for DCS, we will contact the liable party's insurer and submit the claim. 
  • We will compensate you for the damage straight away. That way, you will not have to wait a long time for the liable party's insurer to pay out.

More about direct claim settlement

Caused by another person, details unknown or uninsured offender

In the event of damage to your motor vehicle caused by another person whose details you do not have, you can file a claim with the Dutch Motor Traffic Guarantee Fund (Waarborgfonds Motorverkeer) . You can also file a claim here if the offender is uninsured. The Guarantee Fund helps those who have incurred damage caused by an unknown or uninsured offender. Before submitting your claim, check the conditions that your claim has to meet.

Caused by theft, burglary or vandalism

Theft and burglary are covered by Third-Party Liability + Limited Cover and Third-Party Liability + Comprehensive Cover. Vandalism is covered by a Third-Party Liability + Comprehensive Cover policy. View your options: 

  • Read the checklist to find out which documents you need and have them to hand. File your claim online or over the phone. 
  • If the claim is covered, you can immediately make an appointment to arrange for the repair of your car. Otherwise, we will let you know within 8 business days how ABN AMRO Verzekeringen intends to settle the claim. 
  • You can have your car repaired through the ABN AMRO Claims Service. To find a car repair shop near you, visit the Schadegarant website . You can also contact a repair shop of your choice.

Damage to your car: this is how you report your damage

File a claim

Read the checklist to see which documents you need and have them to hand. File your claim online or over the phone.

Pending

An employee will go through the details with you and make sure you receive the appropriate help as soon as possible.

Repair

You can have your car repaired through the ABN AMRO Claims Service. Where necessary, we will arrange a replacement vehicle for you so you can get back on the road as quickly as possible.

More about filing a claim

Damage to your car: this is how you report your damage

File a claim

Read the checklist to see which documents you need and have them to hand. File your claim online or over the phone.

Pending

An employee will go through the details with you and make sure you receive the appropriate help as soon as possible.

Repair

You can have your car repaired through the ABN AMRO Claims Service. Where necessary, we will arrange a replacement vehicle for you so you can get back on the road as quickly as possible.

More about filing a claim

Frequently Asked Questions

How can I report damage to my car?

You can file a claim online in a few simple steps. We explain what you can expect step by step and which documents you should have to hand in order to file a claim.

What will my insurance pay for in the event of damage to my car?

Does your policy state that your car is insured at current value?

  • The car is a total loss or the damage exceeds 2/3rd of the purchase value: you will receive the current market value of the car
  • The damage is less than 2/3rd of the purchase value: you will receive the cost of repair

Does your policy state that your car is insured at purchase value? And was your car bought from a car dealer listed with the Chamber of Commerce?

  • The car is a total loss or the damage exceeds 2/3rd of the purchase value: you will receive the purchase value of the car
  • The damage is less than 2/3rd of the purchase value: you will receive the cost of repair

Do your policy not state that your car is insured at current or purchase value?

  • The car is a total loss or the damage exceeds 2/3rd of the purchase value: you will receive the replacement value + 10%
  • The damage is less than 2/3rd of the purchase value: you will receive the cost of repair
When do I pay excess on my car insurance?

Third-Party Liability Cover only covers damage you cause to other people and is therefore not subject to an excess.

With Third-Party Liability + Limited Cover and Third-Party Liability + Comprehensive Cover, you have an excess of €150 per occurrence in the event of a claim. If you have the damage to your car fixed through the ABN AMRO Claims Service, then this excess will lapse. This does not apply to window replacement, however, for which the excess is €75.

If your car is adequately secured, you do not have to pay an excess in case of theft, attempted theft, break-in or joyriding. The Motor Vehicle Certification Foundation has determined different security classes. If your car does not meet any of them, you will have an excess of 2.5% of your car's daily value and pay a minimum excess of €375.

If you have taken out the additional breakdown coverage and you get a temporary replacement car in case of damage, the rental company may have set an excess. Sometimes it is possible to reduce this excess for a fee.

How do I get a European accident statement?
The European accident statement is available for download here . You can print it and keep it in your car’s glove compartment.
Is an alarm system required for purchasing car insurance?

No. An alarm system is not required. However, if your car is adequately secured, you do not have to pay an excess in case of theft, attempted theft, break-in or joyriding. The Dutch Motor Vehicle Certification Association (Stichting Certificering Motorrijtuigen, SCM) has defined different security classes. If your car does not have an SCM-certified security system, your insurance will still pay for any damage caused to your car by theft. But if your car is not adequately secured, your excess will be equal to 2.5% of the list value (subject to a minimum of €375). Click here for more information about anti-theft security systems.

Other useful information