Interpolis Casco (own-damage car insurance) (Autobewust Casco)

Covered under Volledig Casco: nearly all damage to your own car, including damage caused by your own fault (collision, skidding, off-road, other external causes). Under Beperkt Casco this type of damage is explicitly excluded — only named perils (fire, theft, glass, break-in, hail, joyriding, lightning, short circuit) are covered; for collision-type own damage you need Volledig Casco.

Volledig Casco covers total loss from any covered cause, including own fault. Beperkt Casco covers total loss only if caused by a covered peril (e.g. fire or flood), not by collision. Optionally, the 'aanschafwaarderegeling' (purchase/new-value settlement, selectable for 1 or 3 years) pays the purchase price (2nd-hand) or new value (1st owner) on total loss or theft, for cars valued up to €130,000; above that a separate arrangement applies, and without proof of purchase value only the market value (dagwaarde) is paid.

Volledig Casco covers partial damage to your own car from virtually any cause, including own fault. Beperkt Casco only covers partial damage from named perils (fire, explosion, lightning, short circuit, break-in, theft, hail, joyriding, and collision with an unleashed animal while driving); damage from collision, skidding or leaving the road is not covered under Beperkt Casco.

Theft of the car is covered under both Beperkt Casco and Volledig Casco. Security requirements apply for cars with a catalogue value over €75,000; if the car does not meet these requirements and is stolen, the theft damage is not covered.

Glass damage is covered under both Beperkt Casco and Volledig Casco. With the connected repair network, cover applies only if a connected glass-repair company does the work; with free choice of repairer, cover applies if the work is done by a BOVAG-affiliated shop. The chosen deductible applies to glass replacement, with a minimum of €150; glass repair (not replacement) is not subject to any deductible.

Damage from fire, storm, hail, lightning or flood is covered under both Beperkt Casco and Volledig Casco. Beperkt Casco also covers collision with an unleashed animal while driving.

Vandalism damage to your own car is covered under Volledig Casco only; it is not covered under Beperkt Casco, which only covers named perils (fire, theft, glass, break-in, hail, joyriding, lightning, short circuit).

Roadside assistance for breakdowns (Pechhulp Nederland and/or Pechhulp Buitenland) is an optional add-on, separate from the casco cover itself. It includes emergency repair (labour only), towing/recovery, transport of the vehicle and occupants, and a replacement vehicle for a maximum of 5 working days at set daily rates (e.g. €150/day for a car, €225/day for a camper). Separately, recovery and transport of the damaged car and its occupants after an accident to an address in the Netherlands is included as standard in the WA/casco base cover, independent of the Pechhulp add-on.

When repairs are carried out by a connected repair shop, replacement transport is covered for a maximum of 30 calendar days. This benefit only applies if the network repairer is used; free choice of repair shop does not include this benefit. (Value expressed in calendar days, not currency.)