ABN AMRO Bank N.V.
ABN AMRO
ABN AMRO is a motor casco insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
If you have the vehicle repaired through the ABN AMRO Schade Service network of affiliated repair shops, the standard deductible is waived and the repair is guaranteed, so you generally do not need to pay costs upfront yourself.
Geographic scope
Netherlands
Coverage applies to cars with a Dutch registration plate, with an international insurance certificate (Green Card) issued for driving abroad listing the countries and emergency numbers covered.
Unique selling points
- WA Volledig Casco scored 9.0 in the Consumentenbond's April 2026 car insurance test.
- The standard €150 deductible is fully waived, plus you get free replacement transport and a repair guarantee, when repairs go through the ABN AMRO Schade Service network.
- Theft is still covered even if your car does not meet the required security classification, unlike many insurers that exclude theft cover entirely in that case.
- Insuring a second car gets you a discount of up to 70% on that policy's premium.
- ABN AMRO bank customers get up to €100 off a Clifford SCM-certified security system to meet the anti-theft requirements.
Coverage limits
Own damage to the insured vehicle
Covered
WA Volledig Casco (Full Casco/Allrisk) covers damage to your own car, based on the car's catalogue/day value, unlike the WA-only cover which never pays for your own vehicle. A standard deductible of €150 per event applies, waived to €0 if repaired via the ABN AMRO Schade Service network.
Total loss of the vehicle
Covered
Total loss due to a covered cause (including theft) is covered, settled based on the car's catalogue/day value; a replacement vehicle is provided for up to 30 days when repaired/settled via the ABN AMRO Schade Service network.
Partial damage to the vehicle
Covered
Repairable damage to the insured car (accident damage, own fault damage if not intentional, and named perils) is covered subject to the standard €150 deductible, waived via the ABN AMRO Schade Service network.
Theft, burglary and joyriding
Conditional
Theft, attempted theft, burglary and joyriding are covered even if the car does not meet the required SCM security classification; in that case a deductible of 2.5% of the car's catalogue value applies, with a minimum of €375. If the car meets the required security class, there is no deductible for these events.
Windscreen/glass damage
Covered
Windscreen and other car glass damage is covered with a reduced deductible of €75, which is waived to €0 when the replacement/repair is carried out via the ABN AMRO Schade Service network.
Natural perils (storm, hail, lightning, flood, fire)
Covered
Damage caused by weather-related natural events such as storm, hail, lightning and flooding, as well as fire, is covered under the standard €150 deductible.
Vandalism
Covered
Damage to your car caused by vandalism is covered under WA Volledig Casco, unlike the more limited WA Beperkt Casco cover which excludes vandalism.
Roadside assistance (Pechhulp)
Optional
Roadside assistance (Pechhulp) is offered as an additional, separately selectable cover on top of the WA Volledig Casco policy, e.g. for breakdown help including flat EV batteries.
Replacement vehicle
Conditional
A replacement vehicle (excluding fuel) is provided free of the deductible when repairs are carried out through the ABN AMRO Schade Service network, for up to 20 days in case of theft or up to 30 days in case of total loss.
Driver/passenger accident cover
Optional
No limit stated
Cover for injury to the driver and passengers (inzittendenverzekering) is offered as an optional additional policy, not included by default in WA Volledig Casco.
Key conditions
Driver age and experience limit
No specific minimum driver age or driving experience requirement for WA Volledig Casco is stated in the available official ABN AMRO sources; premium and acceptance depend on the driver's profile and claims-free years entered during the quote.
Repair network requirements
You may freely choose your own repair shop, but using an affiliated ABN AMRO Schade Service repair shop waives the standard €150 deductible (€0 for glass replacement) and comes with a repair guarantee and free replacement transport.
Territorial scope
The car must carry a Dutch registration plate; an international insurance certificate (Green Card) is issued each year listing the countries where coverage applies when driving abroad.
Anti-theft requirements
Depending on the car's catalogue value, brand, type and build year, ABN AMRO sets security requirements based on Stichting Certificering Motorrijtuigen (SCM) classes; not meeting the required class still gives theft cover but with a deductible of 2.5% of the catalogue value (minimum €375) instead of €0.
Claim notification deadline
No specific number of days for reporting a claim is stated in the available sources; for crime-related claims (theft, burglary) a police report must be submitted, and for theft claims no payout is made if the car is recovered within 20 days, with ownership transfer required for payout if recovered after 20 days.
Deductible rules
Standard deductible is €150 per event for WA Volledig Casco, reduced to €0 when repairs go through the ABN AMRO Schade Service network. Windscreen damage has a separate €75 deductible (€0 via the network). If the car does not meet the required SCM security class, the deductible for theft/burglary/joyriding becomes 2.5% of the catalogue value, minimum €375.
Where to buy
Policy specifics
ABN AMRO Damage Service Network
Optional repair network offering zero deductible repairs and guaranteed repair quality
SourceVehicle Security Classification Requirement
Insurance premium and deductible depend on vehicle security class certification
SourceTheft Claim Timing Condition
Special condition for theft and loss claims regarding recovery and ownership transfer timing
SourceDirect Damage Settlement (DSA)
Third-party damage claims can be filed with own insurer rather than third party's insurer
SourceWindscreen Damage Deductible Exception
Windscreen/glass damage has separate reduced deductible structure
SourceLimited Casco Specific Coverage Scope
Limited Casco covers only specific named perils, not self-caused damage
SourceSources
- https://www.abnamro.nl/nl/prive/verzekeren/autoverzekering/beveiliging.html
- https://www.abnamro.nl/nl/prive/verzekeren/autoverzekering/schade/diefstal-inbraak.html
- https://www.abnamro.nl/nl/prive/verzekeren/autoverzekering/schade/index.html
- https://www.abnamro.nl/nl/prive/verzekeren/autoverzekering/wa-beperkt-casco.html
- https://www.abnamro.nl/nl/prive/verzekeren/autoverzekering/wa-volledig-casco.html