Passenger insurance

You might be wondering why you need passenger accident insurance as passengers involved in a car accident can claim for damage on the personal liability insurance of the person who caused the accident, and medical costs are reimbursed by the healthcare insurance company. But additional passenger insurance cover can be very useful.

• If you are driving and cause an accident yourself, damage to luggage and financial compensation for loss of earnings are not part of the standard cover. Not even if you have third-party liability + comprehensive cover. They are, however, covered if you have additional passenger insurance.
• Healthcare insurance does not cover the cost of a funeral, for example, and neither does it cover personal injury costs or permanent disability, whereas passenger insurance does.
• If no one is to blame for causing the accident, the costs are not always covered, but you will be able to claim if you have passenger insurance.
• Your claim will be dealt with faster, and compensation will be paid out sooner. This is because having passenger insurance means that compensation doesn’t depend on who caused the accident.

Passenger insurance is an additional cover provided by ABN AMRO car insurance. There are two types of passenger insurance cover: passenger accident insurance and passenger damage insurance.

• Passenger accident insurance covers you and your passengers for injuries. 
• Passenger damage insurance covers you for damage to you, your passengers and luggage or belongings, caused by an accident. 

This insurance also covers you if you caused the accident yourself.

You want to take out passenger insurance. We’ve made a summary of both types of passenger insurance so you can decide which type of additional cover is right for you.

The amounts paid out with passenger damage insurance are often higher, which is why the monthly premium is higher.

Decide for yourself which cover is right for you and calculate your premium. Simply tick the various cover options during calculation to find out how they affect your premium.