Centraal Beheer
Centraal Beheer is a motor casco insurance for the NL market with online purchase and 24/7 assistance.
Direct payment
Centraal Beheer pays the garage directly when repairs are carried out within the affiliated repair network (schadeherstelnetwerk).
Geographic scope
NL
Europa, Aziatisch Turkije, Marokko en Tunesië. Niet in: Rusland, Wit-Rusland, Iran en Azerbeidzjan.
Unique selling points
- New or purchase value reimbursed for 3 years in case of total loss or theft, covering vehicles up to €130,000 — above market minimum.
- 4-year repair warranty when using the Centraal Beheer affiliated repair network, with direct payment to the garage.
- Battery packs (accupakketten) are covered without limit as standard, making this policy well-suited for electric vehicles.
- Replacement vehicle provided for up to 30 days during repair at a network garage, included in the base product at no extra charge.
- No-claim discount of up to 75% built up over claims-free years, with daily cancellation rights and no minimum term after year one.
Coverage limits
Own vehicle damage (All Risk)
Covered
Almost all damage to the insured vehicle is covered with All Risk, including damage caused by the policyholder's own fault.
Total loss – new/purchase value (first 3 years)
Covered
If the vehicle is a total loss due to a covered damage event and has been owned for 3 years or less: the new value is reimbursed if the policyholder is the first owner; the purchase value is reimbursed if bought second-hand. This value scheme applies to vehicles with a new or purchase value up to €130,000. For vehicles above €130,000, a separate scheme applies (day value +10%, capped at new/purchase value). After 3 years, day value applies.
Partial loss / repair costs
Covered
Repair costs for partial damage to the own vehicle are covered. If repair costs exceed 2/3 of the new value or purchase value (within 3 years of ownership), total loss settlement applies instead of repair.
Theft and robbery
Covered
Theft of or from the vehicle and damage caused by (attempted) break-in are covered. If the vehicle has been owned for 3 years or less: new or purchase value is reimbursed (up to €130,000 new/purchase value). Security requirements apply to vehicles with a catalogue value above €75,000 and less than 5 years old, and to specific models (Toyota RAV4 2019–2022, Toyota C-HR 2019–2023, Kia Sportage 2022+).
Glass / windscreen damage
Covered
Windscreen damage (break, crack or chip) is covered. Repair or replacement must be carried out by an affiliated glass repair company. No deductible applies for repair; for replacement, the chosen deductible applies with a minimum of €150.
Natural perils (storm, hail, flood, lightning, etc.)
Covered
Damage caused by fire, explosion, lightning, short circuit, storm, hail, earthquake, volcanic eruption, landslide, flood, and collision with unrestrained animals while driving is covered.
Vandalism / collision damage (own fault)
Covered
Under All Risk, almost all damage to the insured vehicle is covered, including vandalism and collision damage caused by the policyholder's own fault. Under WA+ Beperkt Casco, damage by collision and own-fault events is not covered.
Roadside assistance (Pechhulp)
Optional
Roadside assistance in the Netherlands and/or abroad is available as an optional add-on (Pechhulp Nederland / Pechhulp Buitenland). Also covers attached touring caravans, folding caravans, trailers and tow-bars.
Replacement vehicle during repair
Conditional
A replacement vehicle (or alternative transport) is provided for up to 30 calendar days during repair, but only when the repair is performed at an affiliated garage within the Centraal Beheer repair network. For theft, a daily allowance of €35 for up to 20 days is provided. Outside the network, no replacement vehicle benefit applies and the deductible increases by €600.
Occupant / driver accident insurance (Inzittendenverzekering)
Optional
Medical costs, care costs, pain and suffering compensation, temporary loss of income after an accident with the vehicle, permanent disability costs and funeral costs are covered up to €1,000,000. Damage to luggage, clothing or items in or on the vehicle is covered up to €5,000. This is an optional add-on.
Key conditions
driver_age_experience_limit
No minimum driver age limit or experience requirement is stated in the Centraal Beheer All Risk policy documents. Centraal Beheer explicitly states it has no age limit.
repair_network_requirements
For damage other than windscreen damage, the policyholder may choose a garage within the Centraal Beheer repair network. Choosing a garage outside this network increases the chosen deductible by €600. Advantages of the network include a 4-year repair warranty, replacement vehicle for up to 30 calendar days, and direct payment to the garage. Windscreen repair or replacement must be performed by an affiliated glass repair company.
territorial_scope
The vehicle is insured in Europe, Asian Turkey, Morocco and Tunisia. Not covered in Russia, Belarus, Iran and Azerbaijan.
anti_theft_requirements
Anti-theft security requirements apply to vehicles with a catalogue value above €75,000 and less than 5 years old, and to specific high-risk models: Toyota RAV4 (2019–2022), Toyota C-HR (2019–2023) and Kia Sportage (2022 or newer). If the vehicle is stolen and does not meet these security requirements, theft damage is not covered.
claim_notification_deadline
Damage must be reported as soon as possible. This can be done via the Centraal Beheer App, online via MijnCB or by telephone.
deductible_rules
At policy inception, the policyholder may choose a deductible of €0, €150 or €300. The deductible does not apply to the third-party liability (WA) cover or to windscreen repair. For windscreen replacement, the chosen deductible applies with a minimum of €150. If repairs are carried out outside the Centraal Beheer repair network, the chosen deductible is increased by €600.
Where to buy
Policy specifics
New car value coverage
When purchasing a new car with WA+ Beperkt Casco or All Risk, the new car value is reimbursed if the vehicle is total loss or stolen within 3 years
Repair network advantage
Using affiliated repair shops in the damage restoration network provides benefits including 4-year warranty on repairs and replacement vehicle during repair
Bonus-malus no-claim discount system
For each claim-free year, premium discount is earned up to a maximum of 75% for Centraal Beheer.
Car registration requirement
License plate must be registered in the name of the policyholder, partner, child living at home, or leasing company
Damage reporting timeline
Damage must be reported as soon as possible, preferably within 8 days after occurrence
Business use exclusion
Personal car insurance does not cover commercial use such as taxi services, ride-hailing, or goods transport with profit motive
Alcohol and drug impairment exclusion
Damage is not covered if driver was under influence of alcohol (exceeding legal limit) or drugs affecting driving ability