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Theft and your car insurance

What your insurance covers in the event of damage by theft or break-in

Has your car been stolen? Or a part of your car? Or has your car been broken into and items such as your airbag or navigation taken? This 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 to find out what you can do and how we can help you.

Car theft or break-in: how to file a claim

File a police report

If your car is stolen or broken into, file a police report as soon as possible. You will need your car title and insurance policy details to do so.

File a claim

Also report your car damage to us. We will ask you for additional information, such as proof of charge (police report) and any photos of the damage.

Personal claims process

You will have a dedicated point of contact who will answer any questions you have about the theft of your car, break-in damage, and your insurance.
File a claim

Car theft or break-in: how to file a claim

File a police report

If your car is stolen or broken into, file a police report as soon as possible. You will need your car title and insurance policy details to do so.

File a claim

Also report your car damage to us. We will ask you for additional information, such as proof of charge (police report) and any photos of the damage.

Personal claims process

You will have a dedicated point of contact who will answer any questions you have about the theft of your car, break-in damage, and your insurance.
File a claim

What to do if your car is stolen or broken into

If your car is stolen:
  • Report the theft to the police on 088 - 662 82 88. Make sure you have your car title and driving licence on hand.
  • Read more about reporting a stolen car at the vehicle crime insurance agency VbV  (in Dutch).
  • File a claim with ABN AMRO Verzekeringen. If you have the Third-Party Liability + Limited Cover or Third-Party Liability + Comprehensive Cover they will pay the claim. They will also provide you with a courtesy car to help you get back on the road as quickly as possible.
Stolen car parts
  • Report the theft to the police on 088 - 662 82 88. Make sure you have your car title and driving licence on hand. 
  • File a claim with ABN AMRO Verzekeringen and we will help you where necessary to get you back on the road as quickly as possible.
  • Make an appointment with the garage to have your car repaired via the ABN AMRO Claims Service.
Car break-in
  • Report the break-in to the police on 088 - 662 82 88. Make sure you have your car title and driving licence on hand. 
  • File a claim with ABN AMRO Verzekeringen and we will help you where necessary to get you back on the road as quickly as possible.
  • Make an appointment with the garage to have your car repaired via the ABN AMRO Claims Service.

What to do if your car is stolen or broken into

If your car is stolen:
Stolen car parts
Car break-in

If your car is stolen:

  • Report the theft to the police on 088 - 662 82 88. Make sure you have your car title and driving licence on hand.
  • Read more about reporting a stolen car at the vehicle crime insurance agency VbV  (in Dutch).
  • File a claim with ABN AMRO Verzekeringen. If you have the Third-Party Liability + Limited Cover or Third-Party Liability + Comprehensive Cover they will pay the claim. They will also provide you with a courtesy car to help you get back on the road as quickly as possible.

Stolen car parts

  • Report the theft to the police on 088 - 662 82 88. Make sure you have your car title and driving licence on hand. 
  • File a claim with ABN AMRO Verzekeringen and we will help you where necessary to get you back on the road as quickly as possible.
  • Make an appointment with the garage to have your car repaired via the ABN AMRO Claims Service.

Car break-in

  • Report the break-in to the police on 088 - 662 82 88. Make sure you have your car title and driving licence on hand. 
  • File a claim with ABN AMRO Verzekeringen and we will help you where necessary to get you back on the road as quickly as possible.
  • Make an appointment with the garage to have your car repaired via the ABN AMRO Claims Service.

What is covered and what is not

The limited and comprehensive covers include coverage for:

  • Theft or attempted theft 
  • Break-in
  • Embezzlement or fraud
View all terms and conditions

The limited and comprehensive covers do not include coverage for:

  • Theft of your car if your car key is lost or stolen, unless you could not have known that the car key was lost or stolen
View all terms and conditions

What you can expect from us in the event of theft or break-in

We know that having your car stolen or broken into can be a stressful situation. That is why we are there for you in these situations.

  • A dedicated point of contact who will answer any questions you may have
  • Access to our 24/7 emergency line
  • A free courtesy car at your disposal in the Netherlands in case of theft. The lessor of the replacement car may apply an excess. You can sometimes cancel or reduce this excess by paying an amount.
  • A free courtesy car so you can get around while your car is being repaired by a repair shop affiliated with the ABN AMRO Claims Service

Frequently asked questions about car theft and break-in

What will my insurance cover if my car is stolen or broken into?

If your car has been stolen, we will pay the claim if it is not recovered within 20 days. During that time, you are entitled to a courtesy car.

If your car has incurred window or windscreen damage as a result of a break-in, we will pay for the cost of repair up to the amount that is charged by the repair shops affiliated with the ABN AMRO Claims Service. 

If you have fitted an accessory to your car after purchase and your car was subsequently stolen, we will pay out up to €2,500 for the accessory, unless you have purchased additional cover options for this purpose. 

You can purchase your car insurance online. 

View  the terms and conditions for the scope of coverage and exclusions

Do I have to continue paying road tax if my car is stolen?
You will need to file a police report as soon as you discover that your car has been stolen. The police will list your car as stolen in the nationwide database of RDW (National Vehicle and Driving Licence Registration Authority). Once this has been done, you will not be required to pay road tax.
Am I liable for any damage that the thief causes while driving my car?
You will need to file a police report as soon as you discover that your car has been stolen. The police will list your car as stolen in the nationwide database of RDW (National Vehicle and Driving Licence Registration Authority). As of then, you are no longer liable for the damage that the thief causes to other people while driving your car.
When do I pay excess?

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.

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 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.

Good to know

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.
More about roadside assistance

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.
More about fire damage to your car

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.
More about theft or break-in

Other useful info