Thinking of buying a car in the Netherlands? That is great! In the Netherlands it is mandatory to have at least a Third-Party Liability insurance for your car. If you want to change your cover at a later stage, that will not be a problem, you can change it at any time! Good to know: with our car insurance, it is easy to get your damage repaired thanks to the ABN AMRO Schade Service. The ABN AMRO Schade Service includes free alternative transport and a 4-year warranty on the repair.
Submitted everything? Then take out the car insurance. You choose when the insurance takes effect: immediately or later.
If you have a second car, why not insure it with us as well to get a discount on your premium. That’s a great deal! Find out how it works.
If you already have car insurance with us, but have changed cars, give us a call to make sure your new car is insured properly. Want to change your policy or include additional cover? You can do it yourself online.
ABN AMRO car insurance in the Netherlands is intended for private individuals and self-employed professionals for cars with a Dutch registration.
Are you self-employed? Then you can insure the car privately if you occasionally use your car to drive from home to work or to a business relation, for example.
You need an ABN AMRO bank account to take out car insurance. Not yet a customer? A bank account is opened in no time.
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).
Premium
How much premium you pay for your car insurance depends on your:
Commission
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. You can read more about our services on our non-life insurance information sheet .
Administration fee
If this is the first non-life insurance policy you are taking out with ABN AMRO, you will be charged an administration fee of €0.69 (including insurance tax) for collecting the premium, which may be done monthly or annually. If you have already other personal non-life insurance with ABN AMRO, you will not be charged the administration fee again.
Insurance tax
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.
Package discount
If you take out 3 or more insurance policies with ABN AMRO, you will qualify for 3 to 5% package discount.
Your car insurance will include a green card. This is international proof of your car insurance that you can use abroad. The card lists the countries you are insured in and the telephone numbers you will need in an emergency. You will get a new green card each year.
If you go on holiday with a caravan with your own registration number, you need a second green card in Germany, Poland and Spain. If your caravan weighs more than 750 kilos, you will need a second green card everywhere. Have you lost your green card or would you like to request an extra one, for example for your caravan? Request a new green card online (in Dutch).
Cancellation within 14 days
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
Cancellation after 14 days
You can cancel your car insurance as of any day, albeit not retroactively.
