AutoWeek Casco (own-damage car insurance) (Autoweek Autoverzekering Wa Casco)

Covers collision-type damage to your own car other than damage covered under Fire/Storm/Nature, Theft or Glass Breakage, including damage you accidentally cause yourself and damage from incorrectly performed maintenance or repair. Settlement is based on the Autowaarde Garantie (ANWB trade value) or, for cars under 1 year old, the last known catalogue price. Wear and tear, ageing, insufficient maintenance and wrong fuel are excluded. Accessories are covered up to €5,000 and replacement transport up to 30 days (14 days if the car is older than 10 years). Deductible is selectable: €0, €100 or €250.

Under the Fire/Storm/Nature, Theft and Own Damage modules, a total loss is settled via the Autowaarde Garantie: the amount needed to buy a car of the same make, type, model year, specification and mileage, based on the ANWB trade-value list. Cars under 1 year old are always settled at the last known catalogue price instead.

Repairable damage under the Fire/Storm/Nature, Theft and Own Damage modules is repaired, preferably at an AutoWeek-designated repair shop via the Haal & Breng Service, which includes a 4-year guarantee on repair and parts and free pick-up/drop-off with a replacement car.

Covers (attempted) theft, fraud, embezzlement, joyriding and burglary. Not covered if the car was unlocked or the keys were left inside, or if the car does not meet AutoWeek's stated security requirements. No deductible. Settlement via Autowaarde Garantie (or last known catalogue price for cars under 1 year old); accessories up to €5,000; replacement transport up to 30 days (14 days if the car is older than 10 years) while AutoWeek traces the stolen car for up to 30 days after it is reported.

Covers replacement or repair (of a chip/star) of windows and the glass roof at an AutoWeek-designated repair shop. Scratches, dirt, and glass damage on a car already deemed total loss are excluded. Deductible: €0 for repair, €75 for replacement at a designated shop.

Covers damage directly caused by storm (wind force 7 or higher), natural violence, fire, explosions, short-circuit in the car, and birds and stray animals. Freezing/leakage and damage from animal excrement or gnawing are excluded. No deductible. Settlement via Autowaarde Garantie (or last known catalogue price if under 1 year old); accessories up to €5,000; replacement transport up to 30 days (14 days if the car is older than 10 years).

Vandalism is not a separately named peril in the T&C; damage caused by vandalism to your own car is covered as collision-type damage under the 'Schade aan je eigen auto' (Own Damage) module, i.e. damage other than the named Fire/Storm/Nature, Theft or Glass Breakage perils.

Always included regardless of which optional coverages are selected. If you cannot continue driving after fire or an accident, SOS International Alarmcentrale arranges transport of you, your passengers and your car within the Netherlands (0800-29724233); abroad (+31 30 6997917), if the car cannot be repaired within 4 working days, alternative transport is arranged (reimbursed up to €100/day, maximum €1,250 in total), plus transport of the car to the Netherlands (or a payout of its value if too low to justify transport) and repatriation if the driver cannot drive due to illness or accident.

Value expressed in days, not currency. When Fire/Storm/Nature, Theft or Own Damage coverage is selected, a replacement vehicle is provided for up to 30 days during repair, tracing of a stolen car, or until the claim is otherwise settled (e.g. total loss); reduced to a maximum of 14 days if the car is older than 10 years. Separately, the always-included Mobility Guarantee reimburses alternative transport abroad up to €100/day with a €1,250 total cap, and the Haal & Breng Service provides a free replacement car during repair at a designated repair shop regardless of whether the damage itself is covered.