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Third-Party Liability + Limited Cover

Covered in case of damage to third-party property and other situations

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Car insurance with Third-Party Liability + Limited Cover

Choose Third-Party Liability + Limited Cover to get more than the basic third-party cover. This will not only cover you when you cause damage to other people’s property with your car, but will also cover other kinds of damage, such as window damage, break-in damage, and damage caused by a collision with an animal. If you prefer to also be covered when you cause damage to your car yourself, go for Third-Party Liability + Comprehensive Cover (All-risks cover).

What is covered by Third-Party Liability + Limited Cover, and what is not?

You are insured for things such as:

Damage...

  • Suffered by others caused by your car
  • Suffered by others caused by a load falling off your car
  • To your car caused by fire or lightning strike
  • To your car caused by theft or attempted theft
  • To your car caused by a collision with an animal
Take a look at all the terms and conditions

You are not insured for things such as:

Damage...

  • To your car caused by a collision, skidding or veering off the road
  • To your car caused by others due to a load falling off your car
  • Caused intentionally by yourself
Take a look at all the terms and conditions

Take out car insurance in 3 steps

Calculate your premium

Fill in your license plate number and tell us more about the car, the driver and your claim-free years. This is how we calculate your premium.

Reporting code and mileage

Before you take out car insurance we require the reporting code (meldcode) and odometer reading. Have these ready.

Directly insured

Submitted everything? Then take out the car insurance. You choose when the insurance takes effect: immediately or later.
Take out insurance

Take out car insurance in 3 steps

Calculate your premium

Fill in your license plate number and tell us more about the car, the driver and your claim-free years. This is how we calculate your premium.

Reporting code and mileage

Before you take out car insurance we require the reporting code (meldcode) and mileage. Have these ready.

Directly insured

Submitted everything? Then take out the car insurance. You choose when the insurance takes effect: immediately or later.

Take out car insurance

Car insurance in the Netherlands: additional cover options

Want extra peace of mind? Choose additional cover, such as car legal expenses, breakdown assistance or cover against damage suffered by passengers, so that your passengers are also insured for personal injury and other cases.

Discount for an additional car

If you have a second car, why not insure it with us as well to get a discount on your premium. That’s a great deal! Find out how it works.

Discover the Direct Claims Settlement

Someone damaged your car? And are you insured with third-party or third-party liability insurance? Then in many cases you are entitled to the Direct Claims Settlement (DCS). ABN AMRO Verzekeringen arranges the damage caused easily and quickly for you. You no longer have to report this damage to the insurer of the liable party.

View the differences

Third-Party Liability + Limited Cover

  • Damage suffered by third parties
  • Fire, storm and hail damage
  • Theft and break-ins
  • Window damage
  • Vandalism
  • Damage to your own car that you caused yourself
  • Personal intent
Calculate your premium

Third-Party Liability + Comprehensive Cover

  • Damage suffered by third parties
  • Fire, storm and hail damage
  • Theft and break-ins
  • Window damage
  • Vandalism
  • Damage to your own car that you caused yourself
  • Personal intent
Calculate your premium

Third-Party Liability

  • Damage suffered by third parties
  • Fire, storm and hail damage
  • Theft and break-ins
  • Window damage
  • Vandalism
  • Damage to your own car that you caused yourself
  • Personal intent
Calculate your premium

Third-Party Liability + Limited Cover

  • Damage suffered by third parties
  • Fire, storm and hail damage
  • Theft and break-ins
  • Window damage
  • Vandalism
  • Damage to your own car that you caused yourself
  • Personal intent
Calculate your premium

Third-Party Liability + Comprehensive Cover

  • Damage suffered by third parties
  • Fire, storm and hail damage
  • Theft and break-ins
  • Window damage
  • Vandalism
  • Damage to your own car that you caused yourself
  • Personal intent
Calculate your premium

Third-Party Liability

  • Damage suffered by third parties
  • Fire, storm and hail damage
  • Theft and break-ins
  • Window damage
  • Vandalism
  • Damage to your own car that you caused yourself
  • Personal intent
Calculate your premium

Frequently askes questions

When do I pay excess?

Third-Party Liability Insurance only covers damage you cause to other people and is therefore not subject to an excess. 

Is an alarm system required for car insurance?

No. An alarm system is not required. However, if your car is adequately secured, you do not have to pay an excess in case of theft, attempted theft, break-in or joyriding. The Dutch Motor Vehicle Certification Association (Stichting Certificering Motorrijtuigen, SCM) has defined different security classes. If your car does not have an SCM-certified security system, the insurance will still pay out in case of a claim due to theft. However, if your car is not adequately secured, your excess will be equal to 2.5% of the list value (subject to a minimum of €375). Click here for more information about anti-theft security systems.

Other useful info