Car insurance in the Netherlands

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.

With a well-secured car, you do not have an excess in the event of (attempted) theft, burglary or joyriding. Stichting Certificering Motorrijtuigen has determined various security classes. If your car does not meet this requirement, you have an excess of 2.5% of the catalog value (with a minimum of €375).

Read more about security classes and your excess.

How much premium you pay for your car insurance depends on your:

• Car
• The cover options you choose
• Age
• Town/city
• Claim-free years
• Your annual mileage
• Personal details

Calculate your premium

ABN AMRO Bank N.V. provides personal customers with non-life insurance products and advises them on behalf of ABN AMRO Schadeverzekering N.V. We receive a fee of 10% of the premium for this. The exact commission is stated in the premium calculation. You can read more about our services on our non-life insurance information sheet (PDF, 67 KB) .

You will be charged 21% insurance tax on the ABN AMRO car insurance premium and costs. This amount will be included in the calculation of your premium.

If you take out 3 or more insurance policies with ABN AMRO, you will qualify for 3 to 5% package discount.

When you take out car insurance, you’ll be given international proof of insurance, also known as a ‘green card’. This international proof of insurance is valid in other countries. The card itself lists the countries you’re insured in, and gives some important emergency phone numbers. You’ll receive a new international proof of insurance card every year.

You can download the Green Card from your personal ABN AMRO Verzekeringen environment:

1. Go to Internet Banking.
2. You’ll now see your policy. Click ‘Change insurance’ in the top-right.
3. You’ll be taken to your personal ABN AMRO Verzekeringen environment.
4. Click ‘Correspondence’.
5. Go to your latest car insurance policy.
6. You can download your green card here.
7. Print the green card (it’s fine to do this on white paper) or download the document to your smartphone.

• Third-Party Liability (in Dutch)
• Third-Party Liability + Limited Cover (in Dutch)
• Third-Party Liability + Comprehensive Cover (in Dutch)

We've made this Information Sheet because we want you to be well-informed about our services. In this document, we will explain what you can expect from us as a provider of non-life insurance and what we expect from you as a policyholder. We will also address our fees and tell you how to contact us if you have any questions or complaints.

Non-life insurance information sheet (PDF, 67 KB)

After taking out car insurance, you have a 14-day cooling-off period during which you can cancel your policy free of charge. Simply send the policy to the following address (no stamp required):

ABN AMRO Verzekeringen
Antwoordnummer 9000
8000 VB Zwolle

You can cancel your car insurance as of any day, albeit not retroactively.