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Car insurance security classes

Security classes

With a well-secured car you have less chance of burglary or theft. Many cars have built-in electronic security to prevent car theft or burglary. Here, you can find out if your security measures meet our standards. Be sure to thoroughly check your new policy to see if the security requirements for your vehicle have changed.

Not sufficiently secured, but still covered for theft

With an ABN AMRO car insurance policy, you are protected against theft, even if your vehicle does not meet the specified security requirements. However, you will incur an excess of 2.5% of the car's list price (with a minimum of €375). With most insurers, you would not be covered for theft-related damage in such cases!

If you have the proper security but you still suffer damage from theft, a break-in, or an attempt, you will not have to pay an excess with us.

Updated security requirements from 10 October

The following security requirements apply to ABN AMRO Car Insurance for the Third-party liability + limited cover and Third-party liability + comprehensive cover:

 

For a car with a list price under €75,000:

  • No security requirements

 

For a car 0 to 4 years old with a list price between €75,000 and €100,000:

  • Security requirement: SCM class 3 alarm system with tilt sensor.
  • An exception is the Tesla car brand: If you own a Tesla less than 5 years old with a list price below €100,000, we do not impose any security requirements.

 

For a car with a list price of €100,000 or more:

  • If the car is 0 to 4 years old, the security requirement is an SCM class 4 alarm system with tilt detection (Kiwa-SCM approved), supplemented with a car and home jacking system or a Kiwa-SCM approved vehicle tracking system.
  • If the car is 5 to 7 years old, the security requirement is an SCM class 3 alarm system with tilt detection.
  • If the car is 8 years or older, no security requirements apply.
  • An exception is the Tesla car brand. For a Tesla aged 0 to 4 years, the security requirement is a manufacturer-approved security system with a vehicle tracking system and tilt sensor. For a Tesla older than 5 years, no security requirements apply.

If your car meets these security requirements, you will have no additional excess with us.

Discount on Clifford SCM security systems

ABN AMRO customers qualify for a €100 discount on Clifford SCM security systems. To find your nearest Clifford dealer, simply check www.clifford.nl/voertuigbeveiliging-voor-abn-amro-klanten (in Dutch). You can also make an application directly on that site. A Clifford employee will then contact you to make an appointment.

Sound security for your keyless car

Nowadays a lot of cars have a smart key, rather than a traditional one, so you can open your car easily. Unfortunately, thieves can too, thanks to their special equipment that picks up the signal emitted by your key. This increases the risk of theft, so be sure to keep a protective cover on your smart key to block the signal adequately. If you would like a free protective cover, e-mail your name, address and policy number to servicepoint.aav@abnamroverzekeringen.nl.

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