Ditzo B.V. (brand of ASR Nederland N.V.)

Driver age and experience limit

An additional deductible of €250 per claim applies if the actual driver is under 24 years old at the time of the accident (even if the regular named driver is 24 or older), or if a supervising driver during accompanied/learner driving is under 24. This is on top of any voluntary deductible, even if that is €0.

Repair network requirements

Repairs must be carried out by a repair shop selected by Ditzo/a.s.r. to receive full reimbursement; using a non-selected repair or glass-repair shop, or opting for a cash payout instead of repair, reduces the claim payment by €500 (exceptions apply for emergency repairs abroad).

Territorial scope

Cover applies in the countries shown (and not crossed out) on the Green Card (International Motor Insurance Card). The policy ends if you move abroad as policyholder, if the car gets a foreign registration, or if the car is garaged abroad for more than half the year (subject to exceptions until the next renewal date for EU moves/storage).

Anti-theft requirements

If the policy schedule requires an anti-theft security system, it must carry the VbV-SCM Keurmerk Voertuigbeveiliging (approved by the Verzekeringsbureau Voertuigcriminaliteit, installed by a VbV-recognised installer, certified by Kiwa SCM), or be a technically equivalent factory-fitted system accepted by the insurer. Failing to meet this requirement voids cover for theft/joyriding, and for burglary or fraud/embezzlement claims that depend on an alarm or tracking system.

Claim notification deadline

Report theft, burglary or joyriding to the police the same day (or the next morning if it happened at night); report other damage caused by unknown parties or a hit-and-run within 14 days. Report the claim to the insurer as soon as you are aware of it; claims reported more than 36 months after the event are not reimbursed.

Deductible rules

The voluntary deductible chosen is stated on the policy schedule and is deducted from every payout, including when a maximum insured amount applies. No deductible applies to Hulpverlening, Pechhulp, the costs listed under 'what other costs do we reimburse', or to glass repair (it does apply to glass replacement).

Young driver deductible

Additional mandatory deductible applies to drivers under 24 years old on top of voluntary deductible

Approved repair network requirement

Repair must be performed by Ditzo-selected approved repair workshops; deductible reduction applies if using approved network

Vehicle security requirements for theft coverage

Theft, joyriding and break-in damage covered only if vehicle was properly secured; special security systems may be required

New replacement value for young cars

For theft and total loss of first-owner cars max 1 year old, replacement value paid instead of market value within 3 years

Transportation assistance after accidents

Coverage includes towing, free replacement transport, repatriation and emergency repairs after accident/theft/damage

Stolen key replacement

Coverage for replacement of stolen car keys and locks, and immobilizer recoding up to €500 maximum

No-claims discount maximum

Maximum no-claims discount reaches 75% after claim-free years accumulation

Voluntary deductible options

Policyholder can choose voluntary deductible of €0, €100, or €500 per claim

Contract termination restrictions

First policy year: cannot terminate; after first year: can terminate daily effective from next monthly anniversary date

Statutory liability coverage limits

Maximum coverage per claim: €6,100,000 for bodily injury; €2,500,000 for property damage

Policy effective date

Insurance coverage begins on the date stated in the policy document (polisblad)