InShared Casco (own-damage car insurance) (Autoverzekering Casco)

JaarBalans returns part of the year-end premium surplus to claim-free customers, on top of the standard bonus-malus discount.

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.

Customers with a second car can insure it at the no-claims discount rate of their first InShared car.

Driver age and experience limit

The terms do not state a numeric age limit, but assume the policyholder is at least 18: giving a higher age than one's true age while being under 18 is treated as incorrect information that can lead to the policy being refused or terminated.

Section: 1. Algemeen > 1.6.2 Wij stoppen de Autoverzekering

U bent jonger dan 18 en u heeft een hogere leeftijd opgegeven. Of de gegevens van iemand anders

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.

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. Under Beperkt Casco EXTRA only, damage from the extra causes (collision, vandalism) carries €0 at the designated network or €400 elsewhere or for a cash settlement. Glass repair at a designated glass shop is €0; €135 elsewhere. No deductible applies to total loss, theft, disappearance, joyriding, accessories or key theft.

Section: 4. Voorwaarden Beperkt Casco EXTRA autoverzekering > Eigen risico per schadegeval

Voor Beperkt Casco Extra en andere schade aan uw Auto veroorzaakt door extra verzekerde risico’s, zoals aanrijding en vandalisme, geldt een eigen risico van: € 0 bij reparatie door een door ons aangewezen herstelbedrijf; € 400 bij reparatie elders of bij een uitkering in geld

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.