Algemene Zeeuwse Verzekering Maatschappij N.V. (trade name of Goudse Schadeverzekeringen N.V.)
De Zeeuwse
De Zeeuwse is a motor casco insurance for the Netherlands market with no online purchase and 24/7 assistance.
Direct payment
The insurer has the right to settle claims directly with injured third parties under the WA liability cover; if the policyholder is found liable, they may have to reimburse the insurer.
Geographic scope
Netherlands (insurer based in Zeeland/Southwest Netherlands)
Valid in the countries listed on and not crossed out on the International Motor Insurance Card (Green Card)
Unique selling points
- Engine and drivetrain own-defect cover included in Volledig casco for cars under 3 years old with under 100,000 km on the odometer (first owner only) — a benefit not always found in standard casco cover.
- Foreign breakdown (pech) assistance abroad is included with Volledig casco, covering roadside help up to €125 per event plus parts shipping costs.
- Three-year new-car value scheme (nieuwwaarderegeling) with no deduction for losses within 36 months of first registration, for new cars up to €70,000.
- Zero deductible on fire/storm/nature, glass and theft claims when repaired through the insurer's selected repair network, combined with a no-claims discount rising to 80% and an optional Bonusbeschermer to protect it after a first claim.
- Possible discount on a second car insured under the same policyholder.
Coverage limits
Own Damage (Volledig Casco)
Covered
Only in Volledig casco
Covers damage to your own car from almost any conceivable cause, including collision, own fault, vandalism, external violence, fire, storm and natural perils; settlement is based on repair cost or actual/day value.
Total Loss
110% of insured sum
Only in Volledig casco
Pays the day value (dagwaarde) minus salvage value; if the new-car-value scheme applies (new car, first owner, within 3 years of registration, catalogue price up to €70,000), payout is based on new value up to a maximum of 110% of the catalogue value on the policy schedule, with no deduction if the loss occurs within 36 months of first registration.
Partial Loss / Repair Costs
Covered
Only in Volledig casco
Necessary repair costs are reimbursed up to the difference between the car's day value and the value of the remains; if repair costs exceed this difference, the car is treated as total loss.
Theft, Joyriding and Embezzlement
Covered
Only in Volledig casco
Covers loss of the car or parts through theft, joyriding or embezzlement (loss recognized after 30 days missing), plus damage from (attempted) theft, joyriding or break-in; accessories up to €1,250, audio/av equipment up to €500, loose accessories up to €125, key/lock replacement up to €500, and €35/day for up to 30 days while the car is missing.
Glass Damage
Covered
Only in Volledig casco
Covers damage limited to one or more windows and damage from broken glass shards; excludes scratches/dirt, glass roofs, seam rust, delamination, shifting cargo, and glass damage from a collision.
Fire, Storm, Natural Perils
Covered
Only in Volledig casco
Covers damage from falling objects due to storm, the car being blown over, natural violence (flood, hail, earthquake etc.), fire/explosion/self-ignition/lightning, and collision with wild animals, birds or loose animals.
Vandalism
Covered
Only in Volledig casco
Vandalism and any other external violence are covered under Volledig casco (2.2.3b); this is explicitly excluded from the Beperkt casco tier.
Foreign Breakdown Assistance (Volledig Casco)
€125
Only in Volledig casco
In addition to WA accident assistance, Volledig casco covers necessary roadside help abroad up to €125 per event for mechanical breakdown, plus costs of ordering/shipping spare parts (parts themselves excluded); prepayment can be requested above €750.
Replacement Vehicle During Repair
Conditional
Only in Volledig casco
A comparable replacement car (max. mid-range) is provided while your car is repaired, but only if repaired at a selected repair shop from the insurer's network; fuel costs are not reimbursed.
Occupant Accident Insurance (add-on)
Optional
Only in Ongevallenverzekering inzittenden (aanvullende verzekering)
Available as a separate additional cover (Ongevallenverzekering inzittenden) paying out on death or permanent disability of occupants due to an accident; the insured amounts are stated on the policy schedule and are not part of the core Volledig casco cover.
Key conditions
Driver age and experience limit
No specific minimum driver age or experience limit is stated in the T&Cs; premium instead depends on the number of claim-free years (bonus/malus system).
Repair network requirements
Using an insurer-selected repair shop (dezeeuwse.nl/autoschade) keeps the standard deductible unchanged and grants entitlement to a replacement vehicle; using a non-selected repairer raises the deductible to €300.
Territorial scope
Coverage is valid in the countries listed on, and not crossed out on, the International Motor Insurance Card (Green Card).
Anti-theft requirements
For Volledig casco, minimum required anti-theft device class (CCV/Kiwa-SCM certified) depends on car category, age and catalogue value, ranging from Class 1/ex-factory immobiliser up to Class 4 or 5 for higher-value cars and cabriolets under 3 years old.
Claim notification deadline
Report damage to your insurance adviser as soon as possible using the European accident statement or the Mobielschademelden.nl app; a police report is required for theft, embezzlement, joyriding, break-in, vandalism or a hit-and-run by an unknown driver.
Deductible rules
Standard deductible is €0 for fire/storm/natural-peril and glass/theft claims, and €150 for collision-type damage under Volledig casco; the deductible rises to €300 if repaired at a non-selected repairer or if no repair takes place after non-total-loss damage; a different (higher or lower) deductible may be agreed and is then stated on the policy schedule.
Policy specifics
New Car Warranty
Full new car value replacement within 3 years of original purchase for new personal vehicles if stolen or total loss
SourceAccessories Coverage
Standard coverage for vehicle accessories up to €1,250 for full casco and €500 for limited casco
SourceTrailer Coverage
Automatic WA (third-party liability) coverage for attached trailers or caravans
SourceForeign Breakdown Assistance
Coverage for roadside assistance in foreign countries including vehicle transport and repatriation for full casco policyholders
SourceLiability Limits
Maximum coverage for WA (third-party liability) section: €6,450,000 for bodily injury and €2,500,000 for property damage
SourceInsurers' association documentEngine/Drivetrain Own-Defect Cover
Volledig casco covers damage to specified engine, transmission, drivetrain and electrical components caused by an own defect (mechanical failure), provided the car is under 3 years old, has driven fewer than 100,000 km, and the policyholder is the first owner.
SourceDeductible Repair Choice
Full casco deductible varies based on where repair is performed: €150 at selected repair shops vs. higher amounts elsewhere
SourceVehicle Security Requirements
For theft claims, insured vehicle must meet insurer's security standards; insurer can impose locking and device requirements
SourceInsurers' association documentNo-Claims Bonus System
Annual premium discount for claim-free years; bonus protection available to prevent loss after single claim
SourceSpare Car During Repair
Right to replacement vehicle while own car is being repaired at selected repair shops for full casco policyholders
SourceInsurers' association documentDirect Claims Settlement
Insurer directly settles claims with injured third parties (not reimbursement to insured); insured may be required to repay if responsible
Source