Nationale-Nederlanden
Nationale-Nederlanden is a motor casco insurance for the NL market with online purchase and 24/7 assistance.
Direct payment
NN pays repair costs directly to the Schadegarant network repairer; the customer pays only the applicable deductible to the repairer. For total loss via Schadegarant, storage and appraisal costs are also paid directly. Payment to the customer for theft/total loss only after transfer of vehicle ownership to NN.
Geographic scope
NL
Alle landen vermeld op het Internationaal Verzekeringsbewijs die niet zijn doorgestreept; voor module Rechtsbijstand deels beperkt tot Nederland
Unique selling points
- No-claim discount reaches up to 80% after 20 or more claim-free years, one of the highest available in the Dutch market.
- Standard 24-month new-value or purchase-value guarantee for newly bought vehicles in case of total loss or theft, included without extra premium.
- Zero deductible for windscreen repair and direct payment to the repairer when using the Glasgarant or Schadegarant approved networks.
- 24/7 Alarm Centre (+31 26 400 23 90) for emergency assistance in the Netherlands and abroad, including towing, hotel costs, and replacement transport arrangements.
- No-claim years are protected for claims caused by fire, storm, theft, or fully recoverable third-party damage under WA All risk coverage.
Coverage limits
Own vehicle damage (all risk)
Covered
Covered under WA All risk for damage caused by collision, overturning, going off the road or into water, and any other external danger. Also covered when the damage is the result of wear, construction or material faults, technical defects, defective parts, or own defect – though the repair costs of those underlying causes themselves are not covered. Payout based on repair costs, or in case of total loss on the difference between market value immediately before the event and the residual value, or the ANWB replacement value plus 10%.
Total loss
Covered
When repair costs exceed the difference between the market value (dagwaarde) immediately before the event and the residual value, the vehicle is declared total loss. Compensation equals that difference, or if higher, the ANWB replacement value at total loss plus 10%. For new vehicles within 24 months of first Dutch registration (new value guarantee) or within 24 months of purchase (purchase value guarantee), compensation is the new value or purchase value respectively. Residual value/insured sum: the catalogue value at first Dutch registration date.
Partial loss / repair damage
Covered
Repairable damage is compensated at repair cost, up to the point where repair costs do not exceed the difference between market value and residual value. If using the Schadegarant approved network, no additional deductible applies and NN pays directly to the repairer; if using an outside garage an extra deductible of EUR 400 applies on top of any chosen deductible.
Theft and robbery
Covered
Covered under WA Plus (included in WA All risk) for loss of or damage to the vehicle caused by theft (or attempt), burglary (or attempt), joyriding, embezzlement of the whole vehicle, and fraud by a third party. Coverage conditional on the insured taking sufficient precautions (vehicle locked, keys not left inside, appropriate measures if keys are stolen). A 20-day waiting period applies before payout; during that period a daily allowance of EUR 20/day or a replacement car (up to 20 calendar days) is provided. Security requirements apply depending on catalogue value.
Glass / windscreen damage
Covered
Covered under WA Plus (included in WA All risk) for breakage or cracking of front, rear or side windows and glass of sunroofs and panoramic roofs, and damage to the vehicle from glass shards. Via Glasgarant approved network: no deductible for repair, only chosen deductible for full replacement. Outside Glasgarant: EUR 150 deductible for repair, EUR 400 extra deductible for replacement (added to any chosen deductible). Excluded when windscreen damage occurs simultaneously with other damage to the vehicle.
Natural perils (fire, storm, nature events)
Covered
Covered under WA Plus (included in WA All risk): fire (including spontaneous combustion), explosion, lightning strike (direct or via induction), short circuit, hail, collision with wild animals/birds/stray animals (including consequential damage), falling aircraft or parts, natural disasters (flooding, earthquake, volcanic eruption, avalanche), storm (wind force 7+), and damage during transport by boat, train or aircraft. Repair costs of underlying causes such as wear or construction faults are not covered.
Vandalism
Covered
Covered under WA All risk: damage caused by vandalism, looting, and riots. Also covered when damage results from wear, construction or material faults, technical defects, defective parts, or own defect, though repair costs of those causes themselves are not covered.
Roadside assistance / breakdown assistance
Optional
Available as optional add-on modules: Module Pechhulp Nederland (max. 4 call-outs per year, replacement car for max. 2 call-outs for up to 5 working days if repair not possible within 24 hours, hotel max EUR 80/person/night) and Module Pechhulp Europa (max. 7 call-outs per year, replacement car for max. 2 call-outs for up to 21 days if repair not possible within 48 hours, hotel max EUR 80/person/night for max. 3 nights). Alarm centre available 24/7 at +31 26 400 23 90. Exclusions: foreseeable breakdown, no valid APK, poor maintenance or overloading, same fault not properly repaired after previous assistance. Pechhulp Nederland excludes Wadden islands Vlieland and Schiermonnikoog.
Replacement vehicle
Conditional
Included via Schadegarant network during repair: a loan car is provided during the repair period. In case of total loss via Schadegarant: replacement car for max. 5 calendar days. For theft: during 20-day waiting period, choice between EUR 20/day allowance or replacement car for up to 20 calendar days (NN determines make and type). Via Pechhulp Nederland module: replacement car for max. 2 call-outs/year, up to 5 working days if repair not possible within 24 hours. Via Pechhulp Europa module: replacement car for max. 2 call-outs/year, up to 21 days (to original end date of trip) if repair not possible within 48 hours. For replacement car abroad: valid ID and credit card required.
Driver accident cover
Optional
Damage to the driver of the insured vehicle is explicitly excluded from the WA All risk coverage. This can be optionally added via the Module Schade Inzittenden (passenger accident module), which covers all occupants including the driver for personal injury and property damage following a traffic accident, regardless of fault. The maximum insured amount per event is stated on the policy schedule.
Key conditions
driver_age_experience_limit
The policy is available for persons aged 18 and over residing in the Netherlands. The vehicle must have Dutch registration. Driving without a valid Dutch licence is a general exclusion. If the licence was only invalid because its validity period had expired and the driver was under 76 years old, the exclusion does not apply. Supervised drivers under 18 ("begeleiderspas") are treated as the driver for exclusion purposes.
repair_network_requirements
Use of the Schadegarant approved repair network results in direct payment to the repairer with no additional deductible and provision of a loan car during repair. For glass claims, use of Glasgarant results in no deductible for repair and only the chosen deductible for replacement. If the customer does not use Schadegarant (or does not have the damage repaired at all), an extra deductible of EUR 400 applies on top of any chosen deductible. If the customer does not use Glasgarant for glass repair, a fixed EUR 150 deductible applies; for glass replacement an extra EUR 400 deductible applies on top of any chosen deductible.
territorial_scope
Covered in all countries listed on the International Insurance Certificate (green card) that are not crossed out. For the Rechtsbijstand module, some conflicts are only covered in the Netherlands. Pechhulp Nederland excludes the Wadden islands Vlieland and Schiermonnikoog. Pechhulp Europa covers all countries on the International Insurance Certificate (except the Netherlands). If the policyholder relocates abroad, coverage ends on the day they no longer reside in the Netherlands.
anti_theft_requirements
Coverage for theft-related damage is conditional on the insured taking sufficient precautions: the vehicle must be properly locked and keys must not be left inside unattended. If keys are stolen or lost, appropriate measures must be taken to prevent the vehicle being used. For vehicles above certain catalogue value thresholds, specific security measures (security class) are required as a condition of theft coverage; the applicable requirement is shown during policy application.
claim_notification_deadline
Damage must be reported as soon as possible. For criminal acts (theft, joyriding, burglary, vandalism) or damage by an unknown third party, police report must be filed immediately; failure to do so and resulting prejudice to NN may lead to partial or full denial or recovery of the payout. Transport damage visible on the outside must be reported immediately to the towing/recovery company; non-visible transport damage must be reported within 3 working days of delivery. For theft: 20-day waiting period before payout begins, starting from the date of police report and notification to NN.
deductible_rules
A voluntary deductible applies only to WA Plus and WA All risk coverage. The customer can choose EUR 0, EUR 150, EUR 300, EUR 600, or EUR 1,200. Multiple deductibles are added together. No deductible applies for: (a) lock/key replacement after forced robbery of keys; (b) glass repair via Glasgarant network. An extra mandatory deductible of EUR 400 applies if repairs are made outside the Schadegarant network, or if the damage is not repaired at all. For glass: EUR 150 mandatory deductible for repair outside Glasgarant, EUR 400 extra mandatory deductible for replacement outside Glasgarant. For total loss and theft, the deductible is deducted from the payout.
Where to buy
Policy specifics
Repair network selection
Customer choice between approved repair network (Schadegarant or Glasgarant) or alternative garage affects deductible amounts
New vehicle value guarantee
For WA Plus and WA All risk coverage, newly purchased vehicles are guaranteed their new/purchase value if stolen or total loss within two years
Electric vehicle battery coverage
Optional additional module EV Accu Zekerheid covers battery repair or replacement for fully electric vehicles when capacity drops below 70% due to manufacturing defect
No-claim discount protection exceptions
With WA Plus and WA All risk, no-claim discount is not lost for certain damage types including fire, storm, theft, and third-party recoverable damage
Vehicle security requirements
For theft/attempted theft damage on vehicles above catalog value threshold, specific security measures are required as condition of coverage
Approved repair network
Coverage conditions allow use of approved repair networks (Schadegarant or Glasgarant) with preferential deductible treatment, or alternative garages with higher deductibles
Breakdown assistance limits
Breakdown assistance coverage has limits on number of annual call-outs and excludes certain scenarios such as foreseeable breakdown, poor maintenance, or overloading