Neerlandse B.V. (trading as "Neerlandse", part of Risk Groep B.V.)
Neerlandse
Neerlandse is a motor casco insurance for the Netherlands market with no online purchase and limited assistance availability.
Direct payment
Not confirmed specifically for Neerlandse. The Dutch market-wide 'Bedrijfsregeling Directe Schadeafhandeling' (Direct Claims Settlement scheme) allows insurers' own customers to have claims handled directly by their own insurer rather than the at-fault party's insurer; this scheme applies broadly across Dutch insurers for WA and WA+ (beperkt casco) cover from 1 July 2021 (WA) and expanded 1 April 2023 (campers/motorcycles), but no Neerlandse-specific confirmation of participation was found.
Geographic scope
Netherlands
Coverage applies in Europe, Israel, Morocco, Tunisia and Turkey; the Green Card specifies exactly which countries are covered.
Unique selling points
- No deductible at Neerlandse's affiliated repair network for both collision damage and glass repair.
- Free choice between an affiliated repair shop or your own garage/dealer, with a fixed €500 deductible if you choose your own repairer.
- Flexible voluntary deductible options of €300, €500 or €1,000 to lower your premium.
- Theft, break-in and joyriding attempts are covered as part of the Volledig Casco policy.
Coverage limits
Own damage coverage
Covered
In addition to the mandatory third-party liability cover, Volledig Casco insures damage to your own vehicle, including self-inflicted damage such as collisions, in contrast to Beperkt Casco.
Total loss
No limit stated
Not specified in the reviewed Neerlandse source documents.
Partial loss
No limit stated
Not specified in the reviewed Neerlandse source documents.
Theft and robbery
Covered
Damage caused by (attempted) theft, burglary or joyriding is covered.
Glass damage
Covered
Glass repair or replacement is covered. No deductible applies if repaired at an affiliated repair shop; using another repair shop results in a €150 deductible for repair and €500 for replacement.
Natural perils
Covered
Damage caused by, for example, fire, hail, lightning, flooding or a collision with an animal is covered.
Vandalism
No limit stated
Not specified in the reviewed Neerlandse source documents.
Breakdown assistance
Optional
Optional coverage for breakdown and emergency assistance, including towing, recovery and transport of the vehicle and occupants. Transport to an address in the Netherlands is included; separate terms apply for assistance abroad.
Replacement vehicle
No limit stated
Not specified in the reviewed Neerlandse source documents.
Driver accident cover
No limit stated
Not specified in the reviewed Neerlandse source documents.
Key conditions
Driver age and experience limit
Drivers under 24 years always face an additional mandatory deductible of €250 on Volledig Casco claims, unless they are registered as the regular driver on the policy.
Repair network requirements
Policyholders can choose to have damage repaired at an affiliated repair shop (no deductible for own-damage and glass repair) or at their own garage/dealer (€500 deductible for damage and glass replacement).
Territorial scope
Coverage applies in Europe, Israel, Morocco, Tunisia and Turkey; the Green Card specifies exactly which countries are covered.
Anti-theft requirements
Security requirements may apply to the vehicle and are stated on the policy document; if the required security is not met, the insurer may not always pay out.
Claim notification deadline
Not specified in the reviewed Neerlandse source documents.
Deductible rules
A mandatory deductible applies for own-damage and glass claims: €0 at an affiliated repair shop, €500 at the policyholder's own garage/dealer (€150/€500 for glass repair/replacement at a non-affiliated shop). Drivers under 24 pay an extra mandatory €250. Policyholders may additionally opt for a voluntary deductible of €300, €500 or €1,000.
Policy specifics
Own damage coverage
Coverage for damage to the insured's own vehicle caused by collision, accidents, and other covered perils
SourceInsurers' association documentBreakdown assistance
Optional coverage for breakdown and emergency assistance including towing, transport of vehicle and persons
SourceInsurers' association documentNo deductible for glass repair
No deductible applies when damage is repaired at affiliated repair shops for glass and window damage
SourceInsurers' association documentYoung driver additional deductible
Drivers under 24 years face an additional compulsory deductible of €250 unless registered as regular driver
SourceInsurers' association documentOptional deductible increase
Policyholder can voluntarily choose higher deductible amounts of €300, €500, or €1,000 in addition to mandatory deductible
SourceInsurers' association documentRepair shop selection
Policyholder can choose between affiliated repair network or own repair shop, with different deductible terms
SourceInsurers' association documentVehicle security requirements
Insurer may impose specific security requirements for vehicle protection; non-compliance may affect claim settlement
SourceInsurers' association documentMandatory third-party liability
Third-party liability (WA) insurance is legally mandatory and included with all coverage levels
SourceInsurers' association document