ASR Nederland N.V.

Driver age and experience limit

No general minimum driver age applies to casco cover, but drivers who have held their licence for less than 5 years face a stricter drink-driving limit (0.2‰) than drivers with a licence held over 5 years (0.5‰); exceeding this voids the claim.

Repair network requirements

Repairs must be carried out by a.s.r.'s selected repair network (schadegarant.nl) and glass network (glasgarant.nl) for direct settlement, free replacement transport and warranty; using a non-selected repairer reduces the payout by €500, unless the optional 'Vrije keuze herstel' cover is chosen.

Territorial scope

Coverage applies in the countries listed on the Green Card (International Motor Insurance Card) that have not been crossed out; countries crossed out on the card are not covered.

Anti-theft requirements

If the policy schedule requires a security system, it must be a VbV-SCM certified anti-theft device (or a technically equivalent factory-fitted system); the car must be locked and keys not left in/on it. Failing to meet a required security system voids cover for theft, joyriding, break-in or embezzlement.

Claim notification deadline

Report break-in, vandalism damage or hit-and-run to the police within 14 days; report theft or joyriding the same day (or the next morning if it happened at night); after theft abroad, also report to police in the Netherlands within 24 hours of returning home. Claims must be submitted to a.s.r. within 36 months, after which no payment is made.

Deductible rules

Policyholders choose a deductible of €0, €150, €250 or €500, which is deducted from any payout; the higher the deductible, the lower the premium. The deductible does not apply to the Hulpverlening or Pechhulp cover, to glass chip repair (only to glass replacement), or to loss-prevention costs; choosing the optional 'Vrije keuze herstel' cover removes the €500 reduction for using a non-selected repairer, in exchange for a higher premium.

New value coverage

For new vehicle owners (first owners of cars max 1 year old), standard 1-year new replacement value coverage applies. Can be extended to 2 or 3 years.

Purchase value coverage

For second-hand or imported vehicles, instead of daily value, the purchase amount can be covered. Available for 1, 2, or 3 years.

Deductible options

Customer can choose from multiple deductible levels: €0, €150, €250, or €500. Higher deductible results in lower premium.

Repair network and discount

Repairs must be performed by approved repair network. If not using approved network, compensation is reduced by €500.

Emergency roadside assistance

24/7 alarm center provides emergency assistance coverage for recovery, towing, and transport. Covers vehicle and luggage transport.

Theft security requirements

For theft, joyriding, or break-in claims, vehicle must have been properly secured. Special security systems may be required.

Direct claim settlement

For certain claims where third party is liable, customer can file with own insurer directly instead of the liable party's insurer.

Limited Casco coverage scope

Covers damage from fire, storm, natural disasters, theft, break-in, window damage. Does NOT cover damage from collision caused by policyholder.

All-Risk own fault coverage

All-Risk (Casco Allrisk) covers damage to own vehicle even when caused by policyholder, including accidents from inattention or driving error.

No-claim bonus ladder

31-step no-claim ladder system. Each year without claim results in one step increase. Maximum 75% discount from step 21 onward.

Young driver - no no-claim penalty

Young drivers (and drivers in major cities) receive same no-claim discount as all other drivers when taking out first insurance.

Multi-vehicle discount

10% additional discount on WA and casco coverage for each additional vehicle insured (no transfer of first vehicle's no-claim bonus).

General exclusions

Not covered: fraud, intentional or reckless acts, criminal activity, civil unrest, war, nuclear reactions, inadequate vehicle maintenance, overloading, normal wear and tear.