N.V. Interpolis (brand of Achmea group entities, incl. N.V. Interpolis BTL, N.V. Hagelunie, Achmea Schadeverzekeringen N.V., Achmea Pensioen- en Levensverzekeringen N.V. and Achmea Zorgverzekeringen N.V.)
Interpolis
Interpolis is a motor casco insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
If you choose repair via Interpolis's connected repair network, the claim payment for repairs is made directly to the garage; if you choose free choice of repair shop, you arrange payment yourself with the repairer you select.
Geographic scope
Netherlands (vehicle registered/kept in NL)
Europe, Asian Turkey, Morocco and Tunisia; not covered in Russia, Belarus, Iran and Azerbaijan.
Unique selling points
- Battery packs of electric/hybrid vehicles are insured without any limit as accessories, while other accessories are covered up to €8,000 per event.
- Optional 'aanschafwaarderegeling' pays out the original purchase price (used car) or full new value (first owner) on total loss or theft for up to 3 years, for cars valued up to €130,000.
- Choosing Interpolis's connected repair network gives you a 4-year warranty on repairs, direct payment to the garage, and a replacement vehicle for up to 30 calendar days at no extra cost.
- You can flexibly choose your own deductible level (€150, €300 or €500) to balance premium and out-of-pocket cost.
Coverage limits
Own damage (collision, skidding, single-vehicle accidents)
Covered
Only in Volledig 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.
Total loss / theft payout
€130,000
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.
Partial damage
Covered
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 / robbery
Covered
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
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.
Fire, storm, hail, lightning, flood
Covered
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
Covered
Only in Volledig Casco
Not explicitly named as a separate peril in the policy documents. Volledig Casco covers 'virtually all' damage to your own car, including own fault, which in practice extends to vandalism-type damage. Beperkt Casco only covers named perils (fire, theft, glass, break-in, hail, joyriding, lightning, short circuit) and does not name vandalism specifically, so it is not covered under Beperkt Casco.
Breakdown assistance (Pechhulp)
Optional
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.
Replacement transport during repair
€30
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.)
Occupant accident insurance (Inzittendenverzekering)
€1,000,000
Optional add-on covering medical costs, care costs, pain-and-suffering compensation (smartengeld) and temporary loss of income for the driver and passengers after a traffic accident with the insured car, up to €1,000,000 per event for personal injury/death. Damage to luggage, clothing or belongings in or on the car is covered up to €5,000 per event (accessories of the car excluded). Payment is reduced to a maximum of 75% if a seatbelt was not worn or not worn correctly.
Key conditions
Driver age and experience limit
The AutoBewust casco T&Cs and IPIDs do not state an explicit minimum driver age or years-of-experience requirement; the driver must have permission from the policyholder and/or car owner and hold a valid driving licence.
Repair network requirements
You can choose repair via Interpolis's connected repair network — with direct payment to the garage, a 4-year warranty on repairs, and replacement transport up to 30 calendar days — or free choice of repair shop. If you choose the network option but have the car repaired elsewhere, your chosen deductible is increased by €600.
Territorial scope
The car is insured in Europe, Asian Turkey, Morocco and Tunisia. Not insured in Russia, Belarus, Iran and Azerbaijan.
Anti-theft requirements
For cars with a catalogue value over €75,000 that are not older than a specified number of years (unspecified in the source), additional security requirements apply. If the car is stolen and does not meet these requirements, the theft damage is not covered.
Claim notification deadline
Claims must be reported as soon as possible, online, via the Interpolis app, or by phone — no fixed number of days is stated in the T&Cs for reporting a claim (a 14-day deadline applies only to reporting changes in circumstances, not to claims).
Deductible rules
You choose a deductible of €150, €300 or €500 for Beperkt Casco or Volledig Casco. The deductible does not apply to the WA liability cover or to glass repair (not replacement). For glass replacement, your chosen deductible applies with a minimum of €150. If you chose the connected repair network but have the car repaired elsewhere, the chosen deductible is increased by €600.
Documents
Interpolis AutoBewust WA policy terms (PAV-RV-90-251)
Terms & conditions
Interpolis AutoBewust general terms and conditions (AV-02-251)
Terms & conditions
Interpolis AutoBewust Pechhulp (roadside assistance) terms (PAV-RV-94-251)
Terms & conditions
Interpolis AutoBewust Inzittendenverzekering terms (PAV-RV-93-251)
Terms & conditions
IPID - Interpolis Autoverzekering WA Beperkt Casco (AutoBewust)
IPID
IPID - Interpolis Autoverzekering WA Volledig Casco / Allrisk (AutoBewust)
IPID
IPID - Interpolis Autoverzekering WA (AutoBewust)
IPID
IPID - Interpolis Inzittendenverzekering (AutoBewust)
IPID
Policy specifics
Repair network selection
AutoBewust offers choice between connected repair network (with direct payment to garage) or free repair choice
SourceMandatory own risk
AutoBewust car insurance has mandatory own risk of €150 on Beperkt Casco and Volledig Casco dekkings
SourceChoice of deductible
AutoBewust Beperkt Casco and Volledig Casco let you choose a deductible of €150, €300 or €500; this deductible does not apply to the mandatory WA liability cover.
SourceInsurers' association documentAccessories and EV battery packs
Under Volledig Casco, accessories are insured up to €8,000 per event, while battery packs of electric/hybrid vehicles are insured without limit.
SourceInsurers' association documentPurchase/new-value settlement scheme
Optional scheme (selectable for 1 or 3 years) that pays out the purchase price (2nd-hand owner) or new value (1st owner) on total loss or theft, for cars with a purchase/new value up to €130,000; a separate arrangement applies above that threshold.
SourceInsurers' association documentReplacement transport during repair
With connected repair network: replacement transport covered up to 30 calendar days maximum
SourceInsurers' association documentRepair guarantee
4-year warranty on repairs when using connected repair network
SourceInsurers' association documentNo bonus-malus ladder system
AutoBewust does not use bonus-malus ladder for discount calculation; claim-free years directly affect premium
SourceNo-claims years mechanism
AutoBewust does not use a bonus-malus ladder; instead, claim-free years (schadevrije jaren) rise or fall directly based on a table, depending on the current number of no-claims years and the number of claims paid in a policy year, which in turn affects premium.
Source