Achmea B.V.
Avéro Achmea
Avéro Achmea is a motor casco insurance for the Netherlands market with no online purchase and 24/7 assistance.
Direct payment
When repairs are carried out by a garage within Avéro Achmea's affiliated repair network, the deductible is reduced (to €0 for many repairs); the reviewed sources do not explicitly confirm whether Avéro Achmea settles the invoice directly with the repairer.
Geographic scope
Most European countries and countries bordering the Mediterranean Sea, as shown on the Green Card
Coverage does not apply in countries that are crossed out on the Green Card.
Unique selling points
- New-value guarantee: if the car is 3 years old or less, theft or total-loss claims are settled at new/purchase value instead of day value.
- No deductible when repairs are carried out through Avéro Achmea's affiliated repair and glass-repair network (Autotaalglas, Carglass, Glasgarage).
- No-Claim Guarantee protects your bonus-malus level for up to one claim per policy year.
- Allrisk cover reimburses almost all damage to your own car, even when the damage is your own fault.
Coverage limits
Own damage cover
Covered
With Volledig Casco (Allrisk), almost all damage to your own car is covered, including damage caused by your own fault. No fixed maximum sum insured is stated; settlement is based on new value, purchase value or day value depending on the vehicle's age.
Total loss / new value cover
Conditional
If the car is 3 years old or less at the time of theft or covered total-loss damage, the new/purchase value is reimbursed instead of the day value.
Partial loss / repair cost cover
Covered
Repair costs for damage to the insured car that is not a total loss are covered; no fixed sum insured is stated.
Theft and burglary cover
Covered
Damage caused by (an attempt at) burglary or theft is covered under Volledig Casco. If the car is stolen and is 3 years old or less, the new/purchase value is paid; otherwise the day value applies.
Glass damage cover
Covered
Glass repair and replacement is covered under Volledig Casco. Reimbursement is only given in full (no deductible) if the repair is carried out by an affiliated glass repairer such as Autotaalglas, Carglass or Glasgarage; otherwise the customer pays for repair.
Natural perils cover (fire, storm, hail, lightning, flood)
Covered
Damage caused by, for example, fire, storm, hail, lightning or flooding is covered under Volledig Casco.
Vandalism cover
Covered
Volledig Casco (Allrisk) covers almost all damage to the own car, including damage caused by the policyholder's own fault, which in practice includes vandalism-type damage (excluding intentional acts by the policyholder).
Roadside assistance (Pechhulp)
Optional
Assistance in the event of a breakdown is available via Pechhulp Nederland and/or Pechhulp Buitenland; the policyholder chooses the geographic scope (Netherlands only or also abroad) to add to the policy.
Replacement vehicle cover
Covered
A temporary replacement vehicle is covered during the repair period. Some affiliated garages provide a free replacement car; if the policyholder pays for replacement transport themselves, 80% of the cost is reimbursed.
Driver/passenger accident cover (Inzittendenverzekering)
Optional
A separate, additional Inzittendenverzekering covers medical costs, healthcare costs, pain-and-suffering compensation and temporary loss of income following an accident with the car; it is not part of the base Volledig Casco cover.
Key conditions
Driver age and experience limit
Not specified in the reviewed Avéro Achmea sources for this product.
Repair network requirements
If you have the car repaired by a garage of your own choosing outside Avéro Achmea's repair network, you pay a €135 deductible; using a garage within the network reduces this deductible by €135. For glass damage, repairs via Autotaalglas, Carglass or Glasgarage carry no deductible.
Territorial scope
Cover applies in most European countries and countries around the Mediterranean shown on the Green Card; not in countries crossed out on that card.
Anti-theft requirements
Avéro Achmea can impose security requirements on vehicles insured under Volledig Casco (or Beperkt Casco); if the required security measures are missing, damage from theft and joyriding is not covered.
Claim notification deadline
Report damage as soon as possible; no specific number of days is stated.
Deductible rules
A standard deductible of €135 applies if you choose your own repair garage; this is reduced by €135 (in practice to €0 for many repairs) if repaired via Avéro Achmea's affiliated repair network. Glass repairs via Autotaalglas, Carglass or Glasgarage carry no deductible.
Policy specifics
New value coverage
Coverage for new value of vehicle if stolen or total loss within specified period
SourceInsurers' association documentReplacement vehicle coverage
Coverage for temporary replacement vehicle during repairs
SourceInsurers' association documentApproved repair network
Network of approved repair workshops and brand dealers for claim settlements
SourceInsurers' association documentNo claims protection
Protection of no-claims bonus when policyholder is not at fault
SourceInsurers' association document