Car insurance security classes

Make sure your car is well secured and you will not need to pay an excess in the event of theft, attempted theft, a break-in or joyriding. Many cars have a built-in electronic security system to prevent theft and break-ins.
 

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 

  • SUV with a list price of €35,000 or more
  • Passenger car with a list price of €50,000 or more
  • Convertible
  • Off-road vehicle
  • Sports car
  • Car with over €7,500 worth of non-factory fitted accessories

Security: SCM class 4+ SCM class 4+ alarm system with tilt sensor and a vehicle tracking system with jamming detection

  • Car with a list price of €125,000 or more

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 .

Sound security for your keyless car

A lot of new 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, email your name, address and policy number to servicepoint.aav@abnamroverzekeringen.nl.