Insuring a second car
Up to 70% no-claims bonus
Insure your second car with us too
Get a great deal if you insure your second car with ABN AMRO too. Your premium will be lower thanks to the no-claims bonus you built up on the first car you have insured with us. The no-claims bonus for a second car can be as high as 70%!
This also applies to third or fourth cars that you insure with us.
A second car and claim-free years. Here’s how it works
Claim-free years: can’t be transferred to your second car
Claim-free years are a personal commodity, and are built up per vehicle. So you start the insurance for your second car with 0 claim-free years. However, you can get a no-claims bonus based on your driving record with your first car.
No-claims bonus: can be transferred to your second car
The no-claims bonus on your first car can also be of benefit when insuring your second car. Because if you insure both cars with us, you’ll receive up to a 70% discount on your second car. A great deal!
How to request a second car insurance policy:
Calculate your premium
Enter the details for both cars. You can then calculate your premium.
Choose your cover
Choose the type of cover that’s right for you: from third-party liability to third-party liability + comprehensive cover.
Take out the insurance
You’ll receive your policy as soon as you complete your online request. Your second car is now also insured. Time to hit the road!
Insuring both cars in one go
It’s also easy to insure 2 cars in 1 go online. You need to make 2 separate requests. Your discount will be automatically applied to the second car. Only the person who makes the request needs to have a current account with ABN AMRO.
Examples of insuring a second car and discount
First car: 5 claim-free years. Second car: 0 claim-free years.
You have 5 claim-free years for your first car. This entitles you to a 66% discount on your premium. You have 0 claim-free years for your second car. You’ll still get a discount because of your driving record with your first car. The discount for the second car is also 66%.
First car: 10 claim-free years. Second car: 10 claim-free years.
You have 10 claim-free years for both cars. This entitles you to a 75% discount on your premium for the first car. The second car scheme is advantageous if you have fewer than 7 claim-free years. If you have more than 7 claim-free years, take out separate insurance for the second car. This will entitle you to another 75% discount on your premium for the second car.
First car: 3 claim-free years. Second car: 6 claim-free years.
The second car has the most claim-free years: 6. Your first car has 3 claim-free years. So you get a 68% discount on the premium for both cars.
Frequently asked questions about claim-free years for a second car:
What happens with my claim-free years if I insure a second car?
If you insure a second car with ABN AMRO, you build up separate claim-free years for this car. But you can benefit from (some of) the no-claims bonus you’ve built up on your first car. We’ll calculate this for you. It can be as high as 70%.
If I make a claim for one car, will this affect the claim-free years for my other car?
No, claims made for one car don’t count towards the claim-free years for the other car. Claim-free years are built up per car. If you’re using the second car scheme and make a claim for one of your cars, this will only affect the premium and claim-free years for that specific car. The claim-free years and no-claims bonus for your second car will remain intact.
If you make a claim for both cars, the claims will be assessed per car. This means that you’ll lose claim-free years for both insurance policies and that the premiums for both cars will probably go up.
If I make a claim for one car, will this affect the no-claims bonus for my other car?
Yes, it might. If you make a claim on your first car, the discount (the no-claims bonus) on the insurance for your second car may also drop. This will happen if the second car normally benefits from the high discount earned by the first car. But if the second car has built up enough claim-free years of its own, and has built up its own high discount, nothing will change for the second car.
Can I take out a second car insurance policy for my partner’s car?
Yes, as long as you and your partner live at the same address. This means that you will build up the claim-free years for the second car. You’ll get a higher no-claims bonus on the second insurance policy.
Can my child also use the extra no-claims bonus?
No, they can’t. The no-claims bonus only applies to you (and possibly your partner). Your child must take out their own insurance and build up their own claim-free years.
What happens if I cancel the insurance on the first car?
If you cancel the insurance on your first car, the extra discount for your second car will immediately be withdrawn. If you’ve insured 3 cars and you cancel 1, the remaining car with the most claim-free years and/or highest discount will become the first car. The premium for the other cars will be based on this (up to 70% discount).
Choose your cover
Third-Party Liability + Comprehensive cover
Awarded 8.8 out of 10 by the Dutch consumer’s association
- Damage suffered by third parties
- Fire, storm and hail damage
- Theft and break-ins
- Window damage
- Vandalism
- Damage to your own car that you cause yourself
- Wilful damage caused by yourself
Third-Party Liability + Limited cover
Awarded 8.9 out of 10 by the Dutch consumer’s association
- Damage suffered by third parties
- Fire, storm and hail damage
- Theft and break-ins
- Window damage
- Vandalism
- Damage to your own car that you cause yourself
- Wilful damage caused by yourself
Third-Party Liability
Most popular for cars over 12 years old
- Damage suffered by third parties
- Fire, storm and hail damage
- Theft and break-ins
- Window damage
- Vandalism
- Damage to your own car that you cause yourself
- Wilful damage caused by yourself