Coöperatie Klaverblad Verzekeringen U.A.
Klaverblad
Klaverblad is a motor casco insurance for the Netherlands market with online purchase and limited assistance availability.
Direct payment
Claims can be reported directly online via klaverblad.nl/schade-melden or through your advisor; once a claim is assessed as covered, Klaverblad settles and pays compensation as quickly as possible.
Geographic scope
Netherlands, valid in all countries listed (and not crossed out) on the Green Card
Coverage applies in the countries shown on the International Motor Insurance Card (Green Card) that are not crossed out.
Unique selling points
- No-claim discount that can reach up to 80% on the bonus-malus ladder.
- 36-month new-value scheme reimbursing up to €75,000 incl. VAT for total loss or theft of a car bought new.
- Zero deductible when repairs are carried out at a body shop Klaverblad works together with.
- The same no-claim discount, up to 75%, can be extended to a second family car.
- Free license-plate engraving in the windows when taking out Volledig Casco cover.
Coverage limits
Own damage cover
Covered
Only in Volledig Casco
Under the Volledig Casco module, damage to your own car is covered, including a traffic accident even if it is your own fault or caused by a defect in the car, and any other sudden event originating from outside the car. The insured sum itself is stated on the policy schedule, not a fixed figure in the T&Cs.
Total loss
Covered
Only in Volledig Casco, Beperkt Casco
By default, total loss is valued at the ANWB trade-in price list plus 10% minus residual value. Under conditions, a new-value scheme applies for 36 months (first owner, car bought new, original catalogue value up to €75,000 incl. VAT, damage within 36 months of first registration) paying current new value; alternatively a purchase-value scheme (aanschafwaarderegeling) applies for 36 months from purchase (car up to 60 months old at policy start, catalogue value up to €75,000 incl. VAT) also available with Beperkt Casco.
Partial damage / repair cost
Covered
Only in Volledig Casco, Beperkt Casco
Repair costs are reimbursed for covered damage that can be repaired, up to the insured sum on the policy schedule; the payout may be reduced if wear-sensitive parts are replaced with new ones that improve the car's usability (e.g. tyres, battery, exhaust).
Theft, joyriding and break-in
Covered
Only in Volledig Casco, Beperkt Casco
Theft, embezzlement, joyriding and break-in are covered, provided the car is fitted with the required anti-theft security system and was properly locked. If the car is missing due to theft, joyriding or embezzlement, Klaverblad additionally pays €25 per day up to a maximum of €750 for the period the car was missing.
Glass damage
Covered
Only in Volledig Casco, Beperkt Casco
Breakage or cracking of windows/windscreens (as long as there is no other damage to the car) and damage caused by shards of a broken window are covered, in both Beperkt Casco and Volledig Casco.
Natural perils / storm
Covered
Only in Volledig Casco, Beperkt Casco
Storm, hail and natural disaster damage (flood, earthquake, volcanic eruption, avalanche) are covered, as well as objects blown/falling onto the car in a storm. A traffic accident resulting from weather or a natural disaster is not covered under this specific peril.
Vandalism
Covered
Only in Volledig Casco
Vandalism is not named as a separate peril in the T&Cs, but is covered under Volledig Casco's general catch-all for 'all other events that happen suddenly and originate from outside the car'.
Roadside / breakdown assistance
€150
After a covered accident, in the Netherlands the car and occupants are transported to a repair shop/chosen address; abroad the car is taken to the nearest repair shop with storage costs covered, and if repair takes more than 4 working days the car is transported to the Netherlands with 2nd-class train and taxi costs reimbursed for occupants. Volledig Casco additionally covers breakdown (not just accident) assistance abroad, with roadside help costs reimbursed up to €150 and the cost of shipping (but not the cost of) replacement parts.
Replacement vehicle
No limit stated
Not mentioned as a standalone benefit in any of the reviewed sources; the T&Cs only cover a replacement car used while your own car is at the garage for MOT, maintenance or repair (2.1.3), which is a different concept from a courtesy car after a claim.
Driver personal injury
Excluded
Injury to the driver of your own car is not covered under the Casco or WA modules; it can be insured separately via the optional Schadeverzekering Inzittenden (occupant accident) module.
Key conditions
Driver age and experience limit
The T&Cs set no explicit age/experience eligibility limit; the age of the regular driver is only used as a premium-rating factor. Separately, Klaverblad's own FAQ states new applications are only accepted if the main driver has at least 5 demonstrable claim-free years.
Repair network requirements
There is no standard deductible if you have the damage repaired by a body shop that Klaverblad works together with; using a non-partner shop, or not repairing the car at all, means a €250 deductible applies.
Territorial scope
Cover applies in the countries shown on the Green Card that are not crossed out; in case of damage abroad requiring a legally higher liability limit, that higher limit applies.
Anti-theft requirements
Klaverblad may require a specific anti-theft security system (an antitheft system with the CCV Vehicle Security quality mark); the exact requirement is stated on the policy schedule. Theft, joyriding or break-in claims are not paid if this required system was not fitted, the car was left unlocked and unattended, keys were left in the car, or keys were stolen/lost without adequate precautions.
Claim notification deadline
Damage must be reported as soon as possible; if you report it only after 3 years, Klaverblad no longer handles the claim.
Deductible rules
No standard deductible applies for theft or total loss of the car. If the damage is repaired by a partner body shop, there is no deductible; otherwise a €250 deductible applies. For a star chip repaired (not replaced) by a reputable glass-repair company with its own fixed premises, there is no deductible; otherwise replacing the windscreen costs €150 deductible, or €75 if done at a partner repair company.
Documents
Klaverblad Autoverzekering policy terms AU24 (AVWAU/2404)
Terms & conditions
IPID: Klaverblad Autoverzekering Module WA and Module Volledig Casco (current, AU24)
IPID
IPID: Klaverblad 'Royaal' Autoverzekering Module WA and Module Beperkt Casco (legacy product line, v.1, 2018 — different, partial-cover tier, not the Volledig Casco product described in this record)
IPID
Product page: Klaverblad WA+ Volledig Casco (allrisk) Autoverzekering
Other document
Policy specifics
Deductible for own vehicle damage
Standard deductible of €150 applies to glass replacement, €75 if repaired through approved repair network (Schadegarant); no deductible at partnered repair shops for comprehensive casco
SourceNew value arrangement
For comprehensive (volledig casco) coverage: 36 months new value arrangement for newly purchased vehicles (first owner), covering replacement cost up to €75,000 inclusive VAT for total loss or theft
SourceAccessories coverage
Standard coverage for accessories up to €2,500 at no additional cost for comprehensive (volledig casco) coverage
SourceNo-claim discount
Maximum no-claim discount up to 80% based on claim-free years; starting no-claim discount of 50% from first policy year
SourceDirect damage settlement service
Available for WA or WA + beperkt casco: Klaverblad handles repair directly with partner shops and invoices the at-fault party's insurer; no cost to policyholder
SourceRoadside assistance coverage
Covered for comprehensive (volledig casco) abroad; for WA and WA + beperkt casco: covered in Netherlands only with transport to repair shop or taxi for passengers
SourceInsurers' association documentNew-value and purchase-value arrangement
Volledig Casco: 36-month new-value scheme for first owners who bought the car new, provided the original catalogue value does not exceed €75,000 incl. VAT/BPM — this €75,000 figure is an eligibility threshold, not a payout ceiling. Purchase-value scheme (also available with Beperkt Casco): 36 months from purchase, car up to 60 months old at policy start, same €75,000 catalogue-value eligibility threshold.
SourceApproved repair network (Schadegarant)
Using approved Schadegarant repair network eliminates standard deductible for comprehensive/limited casco; network handles direct settlement with insurer and provides replacement vehicle
SourceGlass repair deductible waiver
No deductible applied when windshield star damage is repaired (not replaced) regardless of repair shop; €75 deductible for replacement through approved glass shops (Glasgarant); €150 for other shops
SourceMulti-vehicle discount
Same discount level applied to second family vehicle (up to 75%) as earned on primary vehicle, but only for policy holder or partner (not children)
SourceInsurers' association documentExcluded circumstances
Not covered: fraud, operation without valid driving license, intentional damage or gross negligence, operation under influence of alcohol/drugs/medication, race/street racing events, rental vehicle operation
Source