De Goudse Verzekeringen (Goudse Schadeverzekeringen N.V. / Goudse Levensverzekeringen N.V.)
Goudse
Goudse is a motor casco insurance for the Netherlands market with no online purchase and limited assistance availability.
Direct payment
Not explicitly confirmed whether Goudse settles repair invoices directly with the garage; the applicable deductible depends on whether a repair is carried out by a Goudse-selected repair shop or a freely chosen one.
Geographic scope
Netherlands
The insurance is valid in the countries listed on the International Insurance Card (Green Card) that have not been crossed out.
Unique selling points
- New customers start on 6 entry discount levels, giving an immediate 40% premium discount from the start of the policy.
- Combining multiple policies in the Privé Pakket Online can earn a premium discount of up to 10%.
- No deductible (€0) applies on limited-casco repairs, and only €150 on full-casco repairs, when using a Goudse-selected repair shop.
- A personal adviser prepares a tailored quote for the policyholder rather than a generic online-only price.
Coverage limits
Own damage (incl. self-caused)
Conditional
Only in WA + Volledig Casco
Damage to your own car is covered, including damage you caused yourself (e.g. collision, skidding), but only under the WA + Volledig Casco tier; the WA + Beperkt Casco tier only covers a limited list of external causes.
Total loss compensation
Covered
In case of total loss, the vehicle is compensated at new value, purchase value or daily value depending on the age of the vehicle and the circumstances; the new-value/purchase-value scheme applies under the Volledig Casco tier.
Partial damage / repair costs
Covered
Repair costs for covered damage to the vehicle are reimbursed; the applicable deductible depends on the chosen tier and repair shop.
Theft / burglary
Covered
Damage to your own car is covered in a number of cases, for example damage caused by theft, along with fire, glass breakage and hail.
Glass damage
Covered
Glass breakage repair/replacement is covered under both tiers; repairing glass via the Glasgarant network is free of a deductible, replacement carries a deductible.
Natural perils (hail, fire)
Covered
Damage to your own car caused by hail or fire is covered, alongside theft and glass breakage.
Vandalism
Conditional
Only in WA + Volledig Casco
Vandalism damage to your own car is covered only under the WA + Volledig Casco tier, which insures damage to your own car even when self-caused or caused by third parties acting maliciously; the Beperkt Casco tier only lists a limited number of specific causes and does not explicitly include vandalism.
Roadside/breakdown assistance after accident
Covered
If your car cannot be driven due to an accident, fire or other external violence (not mechanical breakdown), Goudse's Alarmcentrale Verkeer arranges transport of the driver and passengers to an address of their choice in the Netherlands, and transport of the car/trailer to a garage of choice.
Replacement vehicle during repairs
Covered
A replacement vehicle is made available when repairs are carried out at a Goudse-selected repair shop; the deductible for repair at a selected shop is €0 for WA + Beperkt Casco and €150 for WA + Volledig Casco, versus €500 at a non-selected repair shop.
Driver/occupant accident cover
No limit stated
Not confirmed as part of the base WA + Casco coverage in the reviewed sources; occupant accident cover is typically offered as a separate supplementary policy add-on.
Key conditions
Driver age and experience limit
Not stated in the reviewed sources.
Repair network requirements
The deductible varies depending on whether repairs are done at a Goudse-selected repair shop (lower/no deductible) or at a freely chosen, non-selected repair shop (higher deductible, up to €500).
Territorial scope
The insurance is valid in the countries listed on the International Insurance Card that have not been crossed out.
Anti-theft requirements
For theft claims, the vehicle must have been properly secured; standard security requirements apply, with additional requirements possible depending on the policy/vehicle.
Claim notification deadline
Not stated in the reviewed sources.
Deductible rules
When repaired at a selected repair shop, the deductible is €0 for WA + Beperkt Casco and €150 for WA + Volledig Casco; at a non-selected repair shop, or when no repair takes place, the deductible is €500. A higher voluntary deductible can be chosen in exchange for a lower premium.
Policy specifics
New value replacement (Full Casco)
For total loss or theft, vehicle is paid at new value, purchase value or daily value depending on age
SourceInsurers' association documentSecurity requirements for theft coverage
For theft claims, vehicle must have been properly secured. Standard security requirements apply, with additional requirements possible per policy
SourceInsurers' association documentRepair shop choice impact on own risk
Own risk varies depending on whether repairs are done at selected repair shops or free choice shops
SourceInsurers' association documentGeneral exclusions
Coverage excludes damage from war, nuclear reactions, intentional acts, driving without valid license, driving under influence, vehicle rental, and racing participation
Source