Achmea Schadeverzekeringen N.V. (trading as InShared)
InShared
InShared is a motor casco insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
InShared settles claims in kind wherever possible: it relies on the policyholder's stated damage, decides quickly on how the repair will be carried out, and directs the customer to its own repair network; only if repair or replacement is not possible is the claim paid out in cash.
Geographic scope
Netherlands, the rest of Europe, all countries bordering the Mediterranean Sea, and any other country shown (and not crossed out) on the Green Card
Coverage is not valid in countries that are crossed out on the insurance certificate (Green Card)
Unique selling points
- JaarBalans returns part of the year-end premium surplus to claim-free customers, on top of the standard bonus-malus discount.
- InShared was named the winner in the Consumentenbond's car insurance test for best WA, best WA-Plus (Beperkt Casco) and best Allrisk policy in April 2026.
- A free replacement car is provided while the car is being repaired at the InShared (ABS) repair network, even under the lower casco tiers.
- Customers with a second car can insure it at the no-claims discount rate of their first InShared car, unlike many competitors' flat second-vehicle pricing.
- The unique Beperkt Casco EXTRA tier offers a 50%-payout middle ground between limited casco and full Allrisk cover, a option not commonly offered by competitors.
Coverage limits
Damage to own car caused by the policyholder (collision, parking damage, own fault)
Conditional
Only in Beperkt Casco EXTRA, Allrisk
Not covered under Beperkt Casco. Under Beperkt Casco EXTRA, 50% of damage caused by collision, parking damage, own fault, vandalism or riots is covered. Under Allrisk, 100% of such damage is covered, including damage the policyholder caused themselves.
Total loss, theft or disappearance of the car
Covered
Under Beperkt Casco and Beperkt Casco EXTRA, cars under 2 years old (as 1st owner) are paid at new value, and used cars at purchase price for up to 2 years after purchase; Beperkt Casco EXTRA pays only 50% of this amount. Under Allrisk, the periods are 3 years for new value / purchase price, paid at 100%. In all other cases the replacement value plus 10% applies, capped at the purchase price. Accessories are covered up to €5,000.
Repair costs for damage that is not total loss
Covered
Beperkt Casco covers 100% of repair costs for named perils (glass, fire, lightning, storm, hail/flood, animal collision, theft/joyriding/burglary). Beperkt Casco EXTRA additionally covers 50% of repair costs for collision, parking damage, own fault, vandalism or riots; Allrisk covers 100% of these same causes.
Theft, joyriding, burglary and key theft
Covered
Loss, embezzlement, theft, joyriding and burglary (or an attempt) are fully covered under Beperkt Casco, Beperkt Casco EXTRA and Allrisk, including theft of the car keys. Accessories fitted to the car are covered up to a maximum of €5,000, including an EV/hybrid charging cable. No deductible applies.
Glass damage (windscreen, rear/side windows, panoramic/sunroof glass)
Covered
Breakage of windows is fully covered under Beperkt Casco, Beperkt Casco EXTRA and Allrisk, including damage to luggage caused by broken glass. There is no deductible for glass repair at an InShared-designated glass repair shop, and €135 if repaired elsewhere; for glass replacement the chosen deductible (€0/€135/€300) applies.
Fire, storm and other natural perils
Covered
Damage from fire, explosion, lightning/short-circuit, hail, avalanches, floods and storm (wind force 7+) is fully covered under Beperkt Casco, Beperkt Casco EXTRA and Allrisk.
Vandalism and riots
Conditional
Only in Beperkt Casco EXTRA, Allrisk
Not covered under Beperkt Casco. Beperkt Casco EXTRA covers 50% of damage caused by vandalism or riots; Allrisk covers 100%.
Assistance after an accident, breakdown-of-mobility or theft
Covered
Transport of the damaged car, taxi/hotel costs and, abroad, roadside emergency repair up to €300 and transport of car and passengers are covered regardless of casco tier when the car cannot be driven due to accident, fire, theft or a similar external event. This is separate from the optional Pechhulp add-on, which additionally covers mechanical breakdown, a flat tyre, an empty battery, lost keys or wrong/no fuel, available for the Netherlands or extended to Europe, with 24/7 support via Eurocross.
Replacement vehicle during repair, total loss or theft
Conditional
A free replacement vehicle is provided during repair at an InShared-designated repair shop. In case of total loss, a replacement vehicle is provided for up to 14 days; in case of theft or disappearance, up to 30 days (or a daily allowance of up to €35/day as an alternative, not combinable).
Passenger accident insurance (Schadeverzekering Inzittenden)
€1,500,000
An optional add-on covering personal injury and damage to belongings of the driver and passengers after a traffic accident, up to a maximum of €1,500,000 per claim, regardless of who caused the accident. Compensation is reduced by 25% for an occupant not wearing a seatbelt.
Key conditions
Driver age and experience limit
Not explicitly stated as a numeric limit; the terms indicate the policy assumes the policyholder is at least 18 years old (a lower stated age than the true age is treated as misrepresentation allowing termination).
Repair network requirements
Claims must first be assessed via the InShared repair network (ABS Autoherstel for general damage, Autotaalglas/Carglass for glass-only damage); using this network gives a lower deductible and a free replacement vehicle. Using an independent repair shop results in a higher deductible.
Territorial scope
Cover applies in the Netherlands, the rest of Europe, all Mediterranean countries, and any country listed and not crossed out on the Green Card; it is invalid in crossed-out countries.
Anti-theft requirements
Theft-related damage is not covered if the car did not have the agreed alarm system, if that alarm system was not switched on, or if the policyholder was careless with the car or keys (e.g. keys left in the car, car not locked, valuables left visible, keys not stored in a locked space).
Claim notification deadline
Claims must be reported as soon as possible via www.inshared.nl; a claim is not covered if reported later than 3 years after discovery. Theft must be reported to the police immediately and to the Aangifteloket Gestolen Voertuigen (AGV) by phone; if the car is recovered within 20 days of the report, no theft payout is made and the car must be taken back.
Deductible rules
The policyholder chooses a deductible of €0, €135 or €300, applicable at an InShared-designated repair shop; an extra €265 applies if repair takes place elsewhere or damage is not repaired. For Beperkt Casco EXTRA/Allrisk causes such as collision or vandalism, the deductible is €0 at the designated network or €400 if repaired elsewhere or settled in cash. Glass repair at a designated glass shop is €0; €135 elsewhere. No deductible applies to total loss, theft, disappearance, joyriding, accessories or key theft.
Where to buy
Policy specifics
New car valuation
First 3 years new cars covered at new value; used cars receive purchase price for 3 years
SourceDangerous driving exclusion
Damage excluded if caused by dangerous or prohibited driving behavior
SourceDesignated repair network
Repairs must be done at InShared-designated ABS repair network for optimal terms
SourceSecond vehicle discount rule
Both vehicles can be insured at the premium rate of the vehicle with more claim-free years
SourceDigital-only policy management
All policy management, claim reporting, and document access through digital Insurance Map
SourceLiability coverage limits
WA liability maximum €6,500,000 for personal injury; €2,500,000 for property damage
SourceInsurers' association documentAge limit for All Risk coverage
All Risk coverage recommended for cars younger than 6 years old
Source