NH1816 Casco (own-damage car insurance) (Cascoverzekering Motorrijtuigen)

Covers damage to or loss of the vehicle caused by a sudden external event, such as collision, overturning, skidding, going off the road or into water, and malicious damage/vandalism (Article 2.1a). This peril set is only included under the 'Volledig Casco' clause; it does not apply under 'Beperkt Casco'. Settlement follows the general valuation rules in Article 5.1 (repair cost or dagwaarde/aanschafwaarde/nieuwwaarde minus residual value) with no separate policy sum insured.

Total loss exists when the vehicle cannot technically be repaired, when repair costs exceed the difference between the applicable day/purchase/new value before the event and the residual value after it, or, under the new-value scheme, when repair costs exceed 2/3 of the guaranteed value. Payout is that pre-loss value minus the residual value; if the new-value/purchase-value scheme applies (private first owners, vehicle under 36 months, max €125,000 incl. VAT/BPM) that value is used instead of day value, otherwise day value applies with no policy cap.

Repairable damage is settled by reimbursing repair costs up to the difference between the applicable day/purchase/new value immediately before the event and the residual value after it; a 'new for old' deduction may be applied for wear-prone parts such as batteries, exhausts or tyres (Article 5.1). Repair invoices are only reimbursed if issued by a repair company established in the Netherlands, though necessary emergency repairs performed abroad remain covered.

Covers joyriding, theft, attempted theft, break-in damage, misappropriation, and theft of parts/accessories (Article 2.2a), included in both Beperkt Casco and Volledig Casco. Cover is conditional on mandatory Kiwa/SCM security systems that vary by vehicle type, catalogue value and age (Article 2.5). A €30-per-day allowance, up to a maximum of 30 days, is paid while the vehicle is unavailable after theft or misappropriation (Article 5.10). Stolen accessories are reimbursed at new value if under 12 months old (against original receipts), otherwise at day value (Article 5.9).

Covers a chip, break or crack in the glass (Article 2.2b), included under both clauses, but only if repaired or replaced by an NH1816-affiliated glass repair shop; if not, the claim is excluded (Article 3). A €75 deductible applies if the glass is replaced; repair by resin injection carries no deductible (Article 4).

Covers fire, explosion, short circuit or lightning strike; fire outside the vehicle if damage is a direct result of heat from another burning object; storm (wind force 7+, i.e. at least 14 m/s) that blows the vehicle over or drives objects against it; natural disasters such as earthquake, volcanic eruption, avalanche, flood, hail, tidal wave, landslide or falling rock; collision with a loose animal or bird (direct impact only); an aircraft crash or falling aircraft parts; and sudden external events while the vehicle is being transported by a carrier (Article 2.2c-i). Included under both Beperkt Casco and Volledig Casco.

Malicious damage/vandalism to the vehicle is covered only under the 'Volledig Casco' clause (Article 2.1a); it is not part of the 'Beperkt Casco' peril set. A vandalism claim does not affect the bonus/malus discount if reported to the police within 14 days of discovery, though it does still count against the policyholder's pure claim-free years (Polismantel 5023, Article 3.3.3).

After a covered damage event, the Nh1816 Hulpdienst covers costs of recovering, clearing or guarding the vehicle, transporting it to an address in the Netherlands, and taxi transport for driver/passengers, both in the Netherlands and abroad; a mechanical breakdown abroad is only reimbursed if the vehicle carries casco cover. No deductible applies to hulpverlening costs, though assistance can be limited if costs exceed the vehicle's value (Polismantel 5023, Articles 5.1-5.4).

Extra costs following a damage event, such as rental car costs, are explicitly excluded except for delivery costs; such costs can be avoided or limited by using an NH1816-affiliated repair shop (Article 2.3). Separately, if the insured vehicle is temporarily replaced by a similar vehicle during its own repair or maintenance, the same casco cover extends to that temporary vehicle, but this is not a paid replacement-car benefit (Article 5.13).