Centraal Beheer (brand of Achmea Schadeverzekeringen N.V. / Achmea Pensioen- en Levensverzekeringen N.V.)
Centraal Beheer
Centraal Beheer is a motor casco insurance for the Netherlands market with online purchase and limited assistance availability.
Direct payment
Centraal Beheer pays covered repair costs directly to garages within its repair network.
Geographic scope
Europe, Asian Turkey, Morocco and Tunisia
Covered in all Green Card countries, except Russia, Belarus, Iran and Azerbaijan.
Unique selling points
- No-claims discount can build up to as much as 79% off the premium.
- For cars owned 3 years or less, total loss or theft is settled at full acquisition or new value up to €130,000, rather than depreciated day value.
- Zero deductible on stand-alone glass damage when repaired via the affiliated glass repair company.
- Repairs carried out within the Centraal Beheer network come with a 4-year repair guarantee plus free replacement transport for up to 30 days.
- Covered repair costs are paid directly to the network garage, avoiding upfront out-of-pocket payment by the policyholder.
Coverage limits
Own damage coverage
Covered
Only in All Risk
All Risk covers almost all damage to your own car, including damage caused by your own fault.
Total loss / theft settlement (acquisition or new value)
€130,000
Only in All Risk, WA+ Beperkt Casco
If the car is stolen or declared a total loss within 3 years of ownership, the policyholder receives the acquisition value or new value, up to a maximum of €130,000.
Partial loss / repair costs
Covered
Only in All Risk
Repair costs for damage to the insured car are covered without a fixed cap, subject to the value regulation for cars older than 3 years and the €130,000 ceiling for higher-value cars.
Theft and burglary
€130,000
Only in All Risk
Theft of the vehicle, its parts or keys, and damage from attempted theft or burglary are covered; total loss due to theft is settled up to the acquisition/new value ceiling of €130,000, provided the car meets applicable security requirements.
Glass damage
Covered
Only in All Risk
Windscreen and other glass damage is covered; repair or replacement is reimbursed only when carried out by an affiliated glass repair company, with no deductible for stand-alone glass damage (minimum €150 deductible applies to replacement).
Fire, storm and natural perils
Covered
Only in All Risk
Damage from fire, explosion, lightning, short-circuit, storm, hail, earthquake, volcanic eruption, landslide and flooding is covered, with no impact on claim-free years.
Collision and vandalism
Covered
Only in All Risk
Damage from collisions, the car overturning or leaving the road, vandalism or riots, and sudden external causes is covered.
Roadside assistance (Netherlands / abroad)
Optional
Only in Pechhulp Nederland, Pechhulp Buitenland
Optional roadside assistance modules cover emergency repair, towing, replacement transport and related costs in the Netherlands and/or abroad and can be added to the All Risk policy.
Replacement transport
Covered
Only in All Risk, WA+ Beperkt Casco
Appropriate replacement transport is provided while the vehicle is being repaired within the Centraal Beheer repair network, for a maximum of 30 calendar days; not available with basic WA-only coverage.
Passenger accident insurance
€1,000,000
Only in Inzittendenverzekering
Optional passenger accident cover for medical costs, permanent disability, death and lost income after a car accident, insured up to €1,000,000; damage to baggage or belongings in the car is insured up to €5,000.
Key conditions
Driver age and experience limit
The provided policy documents do not specify a minimum driver age or driving-experience requirement.
Repair network requirements
For damage other than glass damage, the policyholder can choose a garage within the Centraal Beheer repair network; choosing a garage outside this network increases the chosen deductible by €600. Network repairs come with a 4-year repair guarantee and replacement transport for up to 30 calendar days, with costs paid directly to the garage.
Territorial scope
The car is insured in Europe, Asian Turkey, Morocco and Tunisia; it is explicitly not covered in Russia, Belarus, Iran and Azerbaijan.
Anti-theft requirements
Security requirements apply if the car has a list price above €75,000 and is not older than a specified number of years, or for specific Toyota RAV4 (2019-2022), Toyota C-HR (2019-2023) or Kia Sportage (2022 or newer) models; theft damage is not covered if the car does not meet these requirements.
Claim notification deadline
A claim must be reported as soon as possible via the app, online or by phone; the documents do not state a specific number of days.
Deductible rules
The policyholder can choose a deductible of €0, €150 or €300; this deductible does not apply to the liability (WA) coverage or glass repair, but a minimum deductible of €150 applies to glass replacement; using a garage outside the repair network adds €600 to the chosen deductible.
Policy specifics
Acquisition value coverage (3-year benefit)
For total loss or theft, policyholder receives full acquisition value (new car price) or new value for vehicles owned 3 years or less, up to €130,000 maximum
SourceReplacement transport
Appropriate replacement transport is provided for policyholders with All Risk or WA+ Beperkt Casco coverage when vehicle is damaged and undergoing repair
SourceWeather and natural damage coverage
All Risk covers damage from fire, explosion, lightning, short-circuit, storm, hail, earthquake, flooding, and collision with loose animals; claim-free years unaffected
SourceRepair network selection and surcharge
Policyholders must use Centraal Beheer repair network; selecting outside network increases deductible by €600; direct payment to network garage for covered repairs
SourceInsurers' association documentWindscreen and glass damage coverage
All Risk covers windscreen and glass damage; repairs or replacement only when performed by connected/approved glass repair company; zero deductible on glass-only damage
SourceInsurers' association documentDeductible/own risk options
Policyholder can select deductible of €0, €150, or €300 for All Risk coverage; higher deductible reduces premium
SourceThird-party liability limits
Damage to persons (third-party) insured up to €6,500,000; damage to property of others up to €2,500,000
SourceInsurers' association documentAlcohol and substance abuse exclusion
Damage is excluded if driver has consumed alcohol/drugs/medications above legal limits or refuses breath/saliva/blood testing; also excludes use of intoxicating substances affecting driving ability
SourceGross negligence exclusion
Damage excluded if policyholder bears gross/serious fault; examples include holding phone while driving or texting while driving
SourceGradual deterioration and wear exclusion
Damage from gradual ingestion of substances excluded; examples: bird droppings, salt spray, tree resin
SourceCircuit racing and speed competition exclusion
Damage excluded if vehicle participates in speed trials, agility competitions, or circuit racing (e.g. Nürburgring); exception for agility training with certified Wrm instructor
SourceInsurers' association documentGeographic coverage area
Vehicle insured in Europe, Asian Turkey, Morocco, and Tunisia; specifically NOT covered in Russia, Belarus, Iran, and Azerbaijan
SourceInsurers' association document