The Dutch Motor Vehicle Certification Association (Stichting Certificering Motorrijtuigen, SCM) has defined different security classes. If there are no compulsory Kiwa/SCM security measures for your car, your insurance policy will pay out in case of theft. If your car is not adequately secured, you will pay an excess of 2.5% of the car’s list price (subject to a minimum of €375).
Many cars have a built-in electronic security system to prevent theft and break-ins. SCM has defined different security classes. The following security requirements apply to ABN AMRO’s car insurance for the third-party liability + limited cover and third-party liability + comprehensive cover options:
Security: SCM class 3 alarm system with tilt sensor
Security: SCM class 4+ SCM class 4+ alarm system with tilt sensor and a vehicle tracking system with jamming detection