Mintley (insurance brand owned by Independer.nl N.V.; underwritten by Allianz Direct, previously by iptiQ Life S.A. / iptiQ EMEA P&C S.A.)
Mintley
Mintley is a motor casco insurance for the Netherlands market with online purchase and limited assistance availability.
Direct payment
For repairs at a network repairer, Mintley pays the repair costs directly to the repairer minus any deductible; for repairs outside the network, the reimbursement (based on the damage calculation or invoice, minus deductible) is paid to the policyholder
Geographic scope
Netherlands
Coverage applies in the countries listed on the International Motor Insurance Card (Green Card); the vehicle must carry a Dutch registration and be based mainly in the Netherlands (no more than 6 consecutive weeks abroad for casco cover)
Unique selling points
- Access to a network of roughly 650 connected repair facilities offering free replacement transport for up to 30 days during repairs
- New-value payout (instead of just market value) for total loss or theft up to 3 years after purchase, for both new and used cars
- Daily cancellation right with pro-rata premium refund, unlike the fixed-term lock-in typical of traditional insurers
- Sister car clause that covers damage caused by one of the policyholder's own vehicles to another vehicle they own, even if insured elsewhere
Coverage limits
Own damage to the vehicle
Conditional
Under 'beperkt casco' only named perils are covered (fire, theft, storm/hail/natural violence, animal collision, rodent damage, glass breakage); under 'allrisk' (volledig casco) own-fault collision/impact damage and vandalism are also covered. Reimbursement is up to the insured amount stated on the policy schedule
Total loss / theft loss compensation
Covered
In case of total loss or unrecovered theft, Mintley reimburses the new value if the vehicle is not older than 3 years, the purchase value if bought within 3 years, or otherwise the market value (BOVAG/ANWB price list +10%) minus residual value
Partial damage / repair costs
Conditional
Repair-related costs are reimbursed up to the replacement value of the vehicle; scope depends on tier — beperkt casco covers only named perils, allrisk also covers collision/impact damage caused by the policyholder or others
Theft and robbery
Covered
Loss, destruction or damage as a result of theft, attempted theft or robbery is covered under both beperkt casco and allrisk, excluding embezzlement/fraud and theft by household members
Glass/windscreen damage
Covered
Damage to vehicle glazing (star chips, cracks, breakage) including front, rear and side windows is covered under beperkt casco and allrisk; glass of measuring/assistance/camera systems, displays and light sources is excluded
Storm, hail and natural violence
Covered
Covers damage from storm (wind force 7+), hail, flooding, avalanches, snow pressure/slides, mudflow, landslide, falling stones and sinkholes, under both beperkt casco and allrisk
Vandalism
Conditional
Only in allrisk
Wilful and deliberate damage caused by unauthorised persons is only covered under the allrisk (volledig casco) tier, not under beperkt casco
Post-accident assistance
Covered
If the vehicle cannot be driven after an accident, transport to a chosen address or nearest garage, taxi transport for occupants/luggage, and accommodation costs up to the policy schedule maximum are covered
Replacement vehicle
Covered
Free replacement transport for up to 30 days is provided when the car is repaired at one of the roughly 650 connected repair facilities; for total loss or theft a fixed compensation as stated on the policy schedule applies
Occupants accident/damage insurance (SVI)
Optional
An optional add-on paying fixed amounts, up to a maximum stated on the policy schedule, for bodily injury and property damage suffered by the driver and passengers in an accident
Key conditions
Driver age and experience limit
The policyholder must be a Dutch resident with a fixed address, at least 18 years old; drivers/occupants covered under the occupant accident insurance must also be at least 18 with a valid driving licence
Repair network requirements
Repairs within Mintley's network of roughly 650 repairers are paid directly to the repairer (minus deductible) up to the vehicle's replacement value; repairs outside the network are reimbursed to the policyholder based on a damage calculation or invoice, minus deductible
Territorial scope
Coverage exists in the countries listed on the International Motor Insurance Card (Green Card); for casco, only vehicles with a Dutch registration that are primarily based in the Netherlands (no more than 6 consecutive weeks abroad) are covered
Anti-theft requirements
The vehicle must be protected against unauthorised use, e.g. with an immobiliser or steering lock, and keys must be kept locked away
Claim notification deadline
Damage must be reported to Mintley immediately after it occurs; police must be notified directly in case of theft, personal injury accidents or animal collisions
Deductible rules
A deductible as stated on the policy schedule applies to every insured casco event; repairs at network garages typically carry a lower deductible than repairs outside the network
Where to buy
Policy specifics
Replacement transport
Free replacement transport up to 30 days when car is repaired at network garages
SourceNew value coverage for total loss
New value is reimbursed for up to 3 years after purchase in case of total loss or theft
SourceVandalism coverage
Damage from vandalism such as scratches or broken mirrors covered under full casco/allrisk
SourceOwn fault collision coverage
Damage from own fault accidents or collisions covered under allrisk/volledig casco
SourceRodent damage coverage
Damage caused by rodents such as broken cables and wiring by martens and weasels
SourceOccupants damage insurance
Additional coverage for bodily injury and property damage of all vehicle occupants
SourceSister car clause
Coverage for damage when one insured vehicle causes damage to another insured vehicle owned by same person
SourceDeductible structure
No deductible for WA and occupants damage insurance; deductible applies to casco claims based on damage type and repair location
SourceBusiness use exclusion
No coverage if vehicle is used for business, leasing, or rental purposes
SourceInsurers' association documentRegular driver restriction
If another person regularly uses the vehicle, damage caused by that person is not covered
SourceInsurers' association documentIntoxication exclusion
No coverage for claims arising from driving under influence of alcohol or drugs
SourceInsurers' association documentClaims notification requirement
All damage must be reported as soon as possible; available 24/7 via online portal
SourcePolicy cancellation flexibility
Policy can be cancelled daily with prorated premium refund; no long-term contract lock-in
SourceOnline-only service provision
No personal advice or situation assessment provided; customer service via Independer through phone and email
Source