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Car damage caused by natural disasters

What your car insurance covers in the event of a natural disaster

The climate is changing, and we are experiencing increasingly more severe weather events, which could cause water, storm or fire damage to your car. Find out what your insurance covers if your car is damaged in a natural disaster.

Damage caused by natural disasters: how to file a claim

File a claim

Read the checklist to see what documents you need and have them ready. Then file the claim online. Fire damage is only available on the limited and comprehensive policy plans.

Claiming process

If the damage 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.

Repair

You can have your car repaired via the ABN AMRO Claims Service. If you would like to know which repair shop you can use for covered repairs, visit the Schadegarant website. Or contact a repair shop of your choice.

How we will help you when you incur car damage

We always provide personal assistance and fast claim settlement. All you need to do is file the claim and we will take care of the rest. To make your claiming process an easy one, you will have:

  • A dedicated point of contact who will answer any questions you may have.
  • Access to our 24/7 emergency line.
  • A courtesy car so you can get around while your car is being repaired. The lessor can apply a deductible. You can sometimes cancel or reduce this deductible for a fee.
  • A 4-year warranty on the repair.
  • Fire, storm and window damage do not affect your no-claims bonus or your claim-free years.

What is covered and what is not

The limited and comprehensive covers include coverage for:

  • Damage caused by fire, lightning, explosion or short circuits
  • Damage caused by hail, your car skidding off the road or objects falling on your car due to a storm
  • Damage caused by earthquake, volcanic eruption and flooding
  • Damage caused by an avalanche or by rocks falling from a mountain

The limited and comprehensive covers do not include coverage for:

  • Damage incurred in a country that is not listed on the green card
  • Damage to an accessory that is fitted to the exterior of the car
  • Damage incurred before the start or after termination of your insurance

Add-on covers

If you would like to include additional cover options, choose an add-on such as passenger cover to ensure that you and your fellow passengers are also covered against injuries and losses sustained during an accident, for example. Or choose for other add-ons, such as legal or breakdown cover.

ABN AMRO Claims Service

You will not be required to pay an excess if your car is repaired by a body shop that we have chosen specifically for you. Only window replacement is subject to an excess of €75. There is always a body shop from the ABN AMRO network located near your place of residence. If you do not use the ABN AMRO Claims Service, you will be required to pay an excess of €150.

Did you know that you will receive a replacement vehicle during the repair work if you use the ABN AMRO Claims Service?

Frequently asked questions about car damage caused by natural disasters

Good to know

What to do in case of fire damage to your car?

It’s scary to see your car catch fire as a result of vandalism or collision. Fortunately, ABN AMRO’s limited and comprehensive policy plans offer good coverage for such situations. We help you by making arrangements for the repair of your car or by providing you with a courtesy car, so that you can get back on the road as quickly as possible.

What to do in the event of damage by theft or break-in

Having your car stolen or broken into and the contents or your personal items stolen can be a distressing experience. Fortunately, our Third-Party Liability + Limited Cover and Third-Party Liability + Comprehensive Cover offer good coverage for such situations. Read on to find out what you can do and how we can help you.

What to do in the event of a breakdown

A dead battery, flat tyre or damage after an accident? 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.

Other useful info