AnsvarIdéa Casco (own-damage car insurance) (Ideaal Autoverzekering Casco)

€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.

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.

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 a Schadegarant-affiliated repairer, or for glass by a Glasgarant-affiliated specialist, are also free of deductible. A €250 deductible applies when repairs are carried out by a non-affiliated repairer or glass specialist.

Section: Informatiedocument over het verzekeringsproduct > Zijn er dekkingsbeperkingen? > Eigen risico

U heeft geen eigen risico bij schade of totaal verlies van uw auto. Als u echter kiest voor reparatie door een niet met ons samenwerkende reparateur, heeft u wel een eigen risico van € 250..

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.