Ansvar Insurance Company N.V.
AnsvarIdéa
AnsvarIdéa is a motor casco insurance for the Netherlands market with no online purchase and limited assistance availability.
Direct payment
AnsvarIdéa settles claims directly with affected third parties under the WA (liability) cover and may compensate them directly. For Casco/Mini Casco damage repaired via an affiliated repairer or the Glasgarant glass network, the repair is billed directly to AnsvarIdéa (cashless repair) with no advance payment needed; repairs via a non-affiliated repairer are paid by the policyholder subject to the applicable deductible and reimbursed afterwards.
Geographic scope
Netherlands
Valid in the countries listed on the Green Card (International Motor Insurance Card) issued with the policy; cover does not apply in a country that has been crossed out on the card. Where an equivalent foreign law sets a higher statutory liability amount than in the Netherlands, the higher amount applies.
Unique selling points
- €0 standard deductible for theft, total loss, and repairs carried out through AnsvarIdéa's affiliated repair and glass (Glasgarant) networks.
- Free replacement vehicle for the full repair period when using an AnsvarIdéa-affiliated repairer.
- No-claim discount of up to 80%, plus an extra multi-policy discount of up to 15% on top of that.
- Extended 36-month new-value and purchase-value arrangements up to €60,000, longer than the single-year term common at many competitors.
- Backed by a sustainability-focused insurer with a dedicated socially responsible investment policy and a leading position in electric vehicle insurance.
Coverage limits
Own damage (collision)
Conditional
Only in Casco
Damage to the insured vehicle caused by collision, overturning, running off the road or into water is covered, including when the policyholder is at fault. This is only included under the Casco tier; the Mini Casco tier does not cover collision damage.
Total loss
Covered
Total loss is settled at new value (up to 36 months from first registration, first owner only), purchase value (up to 36 months from purchase, non-first owner, car max. 48 months old at policy inception) or otherwise day value, each up to €60,000 consumer price including VAT/BPM; under the new-value arrangement the payout may exceed the insured sum. Covered under both the Mini Casco and Casco tiers.
Partial damage / repair costs
Covered
Repair costs are reimbursed when the vehicle is damaged but not a total loss, up to the insured sum stated on the policy. Included under both the Mini Casco and Casco tiers.
Theft, burglary and joyriding
€15 – €25
Covered under both tiers subject to a 30-day waiting period after reporting before any payout, and surrender of all registration documents and keys. A daily use-of-vehicle allowance is paid from the day of reporting for a maximum of 30 days: €15/day under Mini Casco and €25/day under Casco.
Glass damage
Covered
Windscreen and window breakage, including resulting damage to the vehicle, is covered under both tiers. No deductible applies when repaired via the Glasgarant affiliated network; a €250 deductible applies for a non-affiliated glass specialist.
Natural disasters
Covered
Damage from hail, flooding and avalanches is covered under both tiers; damage caused by streets flooded after heavy rainfall is excluded.
Vandalism (malicious damage)
Conditional
Under Mini Casco, a vandalism payout requires an immediate police report, no vandalism claim in the previous two years, a policy inception more than three months earlier, and expert confirmation of intentional external damage; if any condition is not met there is no cover under Mini Casco. Under Casco, vandalism is covered without these conditions, but the claim does affect the bonus/malus level and claim-free years.
Roadside assistance
€125
Towing and transport of the vehicle and occupants after an accident, fire or other external event is included under both the WA/Mini Casco and Casco tiers (domestic and, subject to conditions, abroad). Assistance for a breakdown caused purely by a mechanical defect abroad is only included under the Casco tier, reimbursed up to €125 per event (parts and garage repair costs excluded); this extension is not available under WA/Mini Casco.
Replacement vehicle
Conditional
A free replacement vehicle (not necessarily equivalent to the insured vehicle) is provided for the duration of repair when the repair is carried out by an AnsvarIdéa-affiliated repairer; fuel costs remain for the policyholder's account. This benefit only applies when using the affiliated repair network, under either tier.
Driver accident / personal injury
Excluded
Personal injury to the driver of the insured vehicle, and damage to the driver's own belongings, is excluded from the WA and Casco/Mini Casco covers. The driver's own injury can only be covered via the separate, optional Ongevallenverzekering voor Inzittenden (accident cover for occupants) or Schadeverzekering voor Inzittenden (SVI), sold as add-ons to this policy.
Key conditions
Driver age and experience limit
The reviewed policy terms do not set a minimum driver age or experience requirement for Casco/Mini Casco eligibility; the age of the primary/most regular driver is, however, one of the factors used to calculate the premium.
Repair network requirements
Policyholders may choose their own repairer, but using an AnsvarIdéa-affiliated repairer (Schadegarant network) removes the deductible and provides a free replacement vehicle during repair; a non-affiliated repairer means a €250 deductible applies. For glass damage, the Glasgarant network removes the deductible, while a non-affiliated glass specialist incurs a €250 deductible.
Territorial scope
Coverage applies in the countries listed on the Green Card (Internationaal Verzekeringsbewijs) issued with the policy, unless a country has been crossed out on the card.
Anti-theft requirements
The vehicle must meet the security/anti-theft requirements stated on the quotation and policy documents; if not met, there is no entitlement to a payout for theft, burglary or joyriding. Normal precautions must also be observed, such as locking all doors, activating the required security system, and not leaving keys in or with the car.
Claim notification deadline
Claims must be reported as soon as possible. For theft, burglary or joyriding, a payout is only made once 30 days have passed since the theft was reported and the vehicle has not been recovered, and all registration documents and keys have been handed over. A rejection or settlement offer must be challenged in writing within three years, after which the claim lapses.
Deductible rules
No deductible applies to theft or total loss claims. Repairs carried out by an AnsvarIdéa-affiliated repairer, or for glass via the Glasgarant network, are also free of deductible. A €250 deductible applies when repairs are carried out by a non-affiliated repairer or glass specialist. Note: AnsvarIdéa's own product page separately states a 'standard' deductible of €500, which does not match the €0/€250 structure in the policy terms and conditions; the T&C is treated as authoritative here.
Documents
Terms and Conditions – Ansvar Idéaal Autoverzekering Model 06-2022-I
Terms & conditions
Terms and Conditions – Ansvar Idéaal Autoverzekering Model 10-2020.IE
Terms & conditions
Terms and Conditions – Ansvar Idéaal Autoverzekering Model 05-2020.I
Terms & conditions
Insurance Product Information Document – Casco (allrisk)
IPID
Insurance Product Information Document – WA and Mini Casco
IPID
Product page – Autoverzekering
Other document
Policy specifics
New value arrangement
Coverage period where damaged vehicles are compensated at new purchase value (not depreciated)
SourcePurchase value arrangement
Alternative compensation method based on documented purchase price rather than depreciated market value
SourceAuthorized repair network
Window damage repair through exclusive network (Glasgarant) with reduced or waived deductible for repairs
SourceVehicle security requirements
Mandatory security standards for theft, break-in, and joyriding coverage; requirements specified on policy quote and policy document
SourceInsurers' association documentBonus/Malus (no-claim) system
Premium discount/surcharge scale based on claim-free years; maximum discount 80% plus additional 15% multi-policy discount possible
SourceStandard deductible
Default excess amount applicable to casco claims when not using authorized repair networks
SourceCovered risks (comprehensive casco)
All damage risks covered including collision, theft, vandalism, natural perils, and malicious acts
SourceCoverage territory
Geographic scope of coverage specified on International Motor Insurance Card (Green Card)
SourceInsurers' association documentStatutory liability limits (WA component)
Maximum compensation amounts for bodily injury and property damage under mandatory third-party liability (WA) coverage
SourceInsurers' association document