a.s.r.
a.s.r. is a motor casco insurance for the NL market with online purchase and 24/7 assistance.
Direct payment
ASR settles damage claims directly with selected repair shops (Schadegarant network); the insured does not need to advance money and only pays any applicable deductible to the repair shop. For glass damage, settlement is direct with selected glass repair companies (Glasgarant network).
Geographic scope
NL
Landen vermeld op de Internationale Motorrijtuigverzekeringskaart (Groene Kaart) die niet zijn doorgekruist
Unique selling points
- Free replacement vehicle during repair at any ASR-selected Schadegarant repair shop, including a pick-up and drop-off service at your home address.
- No-blame no-claim rule: if the driver is not at fault for the damage, the no-claim discount is not reduced and continues to grow — up to a maximum of 75%.
- Standard new-value replacement for first owners of cars up to 12 months old in case of total loss or theft, extendable to 2 or 3 years as an optional add-on.
- Repairs settled directly with the certified Schadegarant and Glasgarant networks — no out-of-pocket advance payments required beyond the chosen deductible.
- 10% additional premium discount when insuring two or more cars under the same policyholder, stacked on top of the existing no-claim bonus.
Coverage limits
Own damage (collision, accident)
Covered
Covers damage to the insured car caused by collision, accident, running off the road, overturning, skidding, or falling into water, including damage arising from an inherent defect of the car. Also covers all other external causes of damage. The insured value is based on new value, purchase value, or market value depending on car age and chosen options. Compensation capped at car value minus salvage value in total-loss cases.
Total loss
Covered
In case of technical or economic total loss, ASR compensates the determined value of the car minus the salvage value. Economic total loss on new value basis: repair costs exceed 2/3 of the determined car value. On market value basis: repair costs exceed the difference between market value before the event and salvage value after. Standard new-value replacement for first owners of cars up to 12 months old (catalogue value up to EUR 80,000); extendable to 24 or 36 months as optional coverage.
Partial loss / repair costs
Covered
Covers repair costs for partial damage to the insured car by any covered event. Repairs must be carried out by an ASR-selected repair shop; if not, compensation is reduced by EUR 500. Deduction does not apply for emergency repairs abroad or when the car is traded in and a replacement is insured with ASR.
Theft, joyriding and break-in
Covered
Covers damage caused by (attempted) theft, break-in, or joyriding. Car must be properly secured; if a security system is required (noted on the policy schedule), failure to comply voids the claim. In case of theft, compensation is paid 30 days after notification, subject to transfer of ownership and surrender of documents and keys. Stolen key replacement covered up to EUR 500.
Glass damage
Covered
Covers sudden and unforeseen breaking of the windscreen, panoramic or sunroof, as well as damage caused by splinters from those. Repair or replacement must be performed by an ASR-selected glass repair company (Glasgarant network); if not, compensation is reduced by EUR 500 (except emergencies abroad). No deductible applies for repair of a chip ('sterretje'); deductible does apply for full replacement.
Natural perils
Covered
Covers damage from natural disasters including hail, landslide caused by a natural phenomenon, avalanche, flooding (including dyke failure), rockfall from natural slopes, volcanic eruption or geyser, tidal wave. Also covers storm damage (wind speed of 14 m/s or more): car blown over, objects falling onto the car, or car door blown against an object.
Vandalism and riots
Covered
Covers intentional damage to the car by a third party (vandalism). Also covers damage caused by riots, disturbances and uprisings. Vandalism and riot claims do not negatively affect the no-claim bonus.
Emergency roadside assistance (hulpverlening)
Covered
Included standard coverage: covers towing, transport and recovery of the car and baggage to a location of choice in the Netherlands in case of covered damage or theft. In case of damage or theft abroad, covers towing to the nearest repair shop, repatriation costs, and rental car costs up to EUR 100/day and EUR 1,250 per event during the ongoing holiday. Roadside breakdown assistance (Pechhulp) for mechanical or electronic failure is an optional add-on and requires prior Alarmcentrale authorization. Alarmcentrale telephone: 030-6990708 (24/7).
Replacement vehicle
Covered
Free replacement vehicle provided during the repair period at an ASR-selected repair shop (Schadegarant network), including a pick-up and drop-off service. In case of total loss, a free loan car is provided for up to 5 days. In case of abroad damage where repair takes more than 2 working days (or 4 if parts are ordered), a comparable rental car is covered up to EUR 100/day and a maximum of EUR 1,250 per event for the duration of the original holiday. Replacement vehicle is not available for glass-only damage.
Occupant accident insurance (Ongevallen Inzittenden)
Optional
Optional add-on: pays a lump sum in case of permanent disability or death of occupants due to a traffic accident. Two coverage levels: (1) death EUR 12,500 / permanent disability EUR 30,000, or (2) death EUR 25,000 / permanent disability EUR 60,000 per seat. Alternatively, the optional 'Schade Inzittenden' coverage compensates actual injury and property damages up to EUR 1,000,000 per event.
Key conditions
driver_age_experience_limit
An additional deductible of EUR 250 applies if the regular driver stated on the policy is 24 years or older but the actual driver at the time of the incident is under 24 years old. This extra deductible applies on top of the chosen deductible and also applies if the chosen deductible is EUR 0. The extra deductible does not apply for collisions with birds or free-roaming animals, but does apply for secondary damage caused by such a collision.
repair_network_requirements
Damage must be repaired by an ASR-selected repair shop (Schadegarant network for body damage, Glasgarant network for glass). If repair is not carried out by a selected shop, the claim compensation is reduced by EUR 500 (body damage) or EUR 500 (glass). Exceptions apply: emergency repairs abroad, or when the damaged car is traded in and a replacement is insured with ASR. An optional 'Free Repair Choice' (Vrije Keuze Herstel) add-on is available at an additional premium that removes the EUR 500 reduction. Repair shops in both networks carry certified sustainable repair accreditation.
territorial_scope
The insurance covers the countries listed on the International Motor Insurance Certificate (Green Card / Groene Kaart) that are not crossed out. Coverage ceases immediately if the policyholder moves abroad (unless to an EU country, in which case coverage continues until the next annual renewal date) or if the car receives a foreign registration. Coverage also ceases if the car is stored abroad for more than half the year (EU exception: continues until next annual renewal date).
anti_theft_requirements
The car must be locked and secured at all times. If the policy schedule specifies a required security system (VbV-SCM Keurmerk Voertuigbeveiliging), the insured must comply. Non-compliance voids coverage for theft, joyriding, and break-in (for alarm-triggered systems) or for fraud and embezzlement (for required tracking systems). The security system must be approved by the Verzekeringsbureau Voertuigcriminaliteit (VbV), installed by a VbV-certified installer, and certified by Kiwa SCM, or be a technically equivalent factory-installed system.
claim_notification_deadline
Damage must be reported as soon as it is known. For break-in, vandalism, damage by unknowns, or hit-and-run: police report required within 14 days. For theft or joyriding: police report required same day (or next morning if at night). For theft abroad: police report required in that country, and also in the Netherlands within 24 hours of return. Theft details must be reported to VbV helpdesk (tel. 071-3641777, 24/7). For liability claims raised by third parties, the insured has up to 36 months to submit a claim. After 36 months, no compensation is provided.
deductible_rules
The insured can choose a deductible of EUR 0, EUR 150, EUR 250, or EUR 500. The higher the deductible, the lower the premium. The deductible applies to damage to the own car and to windscreen replacement, but not to windscreen repair (chip / 'sterretje'). The deductible does not apply to the roadside assistance (Hulpverlening) coverage, the optional breakdown coverage (Pechhulp), or to the additional costs listed in chapter 4.4 of the policy terms. An additional youth deductible of EUR 250 applies when an under-24 driver is involved in a collision/accident.
Where to buy
Policy specifics
New value replacement
For first owners of cars up to 1 year old, replacement of new value (retail price of same new car) is standard for theft or total loss, extendable to 2-3 years
Repair network deduction
Damage repairs must use ASR-selected repair partners; if not, a reduction of €500 applies (for both body damage and glass damage/window replacement)
No-claim bonus protection
No-blame no-claim rule: damage without driver/passenger fault results in no premium increase and continued bonus accrual
Own risk deductible
Selectable deductible for Casco coverage: €0, €150, €250, or €500; higher deductible results in lower premium
Replacement car rental
Free replacement vehicle provided during repair at ASR-selected repair shops; not available for glass-only damage
Vehicle security requirement
Cars younger than 5 years with catalogue value €75,000 or cars 5-8 years old with €100,000+ value must have CCV-certified security systems (alarm + tracking/recovery)
Excluded use - commercial rental or lease
Damage arising from rental, leasing, or commercial use of the car is not covered; personal use only
Excluded - poor maintenance and overloading
Damage resulting from lack of proper maintenance or vehicle overloading is not covered; basic maintenance required
Multi-vehicle discount
When insuring 2 or more cars with same policyholder, automatic 10% discount applied to WA and Casco coverage of all vehicles