NN Casco (own-damage car insurance) (Motorrijtuigverzekering Casco Personenauto)

Covers damage to the policyholder's own car caused by an accident (even if the driver's own fault), fire, storm, hail or lightning, collision with an animal, damage caused by others such as vandalism or joyriding, and burglary/break-in.

If the car is a total loss (technical or economic) or stolen and not recovered, payout is based on the new-value scheme (capped at 110% of the catalogue value stated on the policy schedule, only if the catalogue value is EUR 125,000 incl. VAT or less), or the purchase-value scheme for cars up to 6 years old bought from a dealer (also capped where catalogue value exceeds EUR 125,000 incl. VAT), otherwise the replacement value per the ANWB/BOVAG price list plus 10 percent, minus residual value; no deductible applies unless one is stated on the policy.

Repair costs for covered damage are reimbursed; no deductible if repaired via the SchadeGarant/GlasGarant network (unless a voluntary deductible is chosen), otherwise a deductible of EUR 150 (glass) or EUR 400 (all other damage and glass replacement) applies, plus any voluntary deductible.

Theft of the car or its parts is covered; after a police report, NN has 20 days to trace/recover the car, after which the policyholder can choose to take the recovered car back or receive the total-loss payout; cover for theft/joyriding can be voided if required security/anti-theft measures were not met.

Breakage or damage to the car's glass (cracks, chips and pitting, but not scratches) is covered; no deductible via GlasGarant, otherwise a EUR 150 deductible for glass repairs applies.

Damage to the car caused by fire, storm, hail or lightning is covered.

Damage caused by someone else to the car, for example vandalism or joyriding, is covered.

After damage (accident, fire, theft, other sudden external danger, wrong fuel), NN arranges a taxi ride within the Netherlands on the day of the damage, reimburses one overnight stay in the Netherlands if the driver cannot travel home, covers the cost of ordering/sending parts needed for repair abroad (repair costs themselves are not covered but can be advanced, with a deposit required above EUR 700), and reimburses up to three overnight stays abroad capped at EUR 1,000 for all insured persons combined.

If the car is repaired via SchadeGarant and is a total loss, a replacement car is provided for up to 5 calendar days (extendable to a maximum of 14 days only if stated on the policy schedule). If the car is stolen, the policyholder can choose during the 20-day search period between a replacement car or a daily allowance of EUR 35 capped at EUR 700 (20 days); a EUR 250 deposit applies for a replacement car. If repairs abroad take longer than 2 working days during a holiday, rental car costs are reimbursed up to EUR 1,250 per event until the end of the original holiday.