Motor third-party liability — Netherlands

[1] Bodily injury liability: Covered ↩

The WA policy covers the policyholder's statutory liability for injury caused to third parties with the insured car, as required under the Dutch Motor Vehicle Liability Act (WAM).

[2] Property damage liability: Covered ↩

The WA policy covers statutory liability for damage caused to third-party vehicles or property, as legally required in the Netherlands.

De WA-verzekering vergoedt de schade die je met je auto veroorzaakt aan anderen, als je daar wettelijk aansprakelijk voor bent.

[3] Legal defence: Optional ↩

Autorechtsbijstand can be added as an optional cover when taking out the WA policy, giving access to ARAG's legal assistance for disputes related to the car, such as recovering costs from a liable third party.

Zoals autorechtsbijstand of pechhulp. Of een inzittendenverzekering, zodat ook je passagiers zijn verzekerd tegen bijvoorbeeld letselschade.

[4] Green card: Covered ↩

Every policyholder receives an international insurance certificate (green card) valid abroad; a new green card is issued each year and can be downloaded from the personal insurance environment.

Ieder jaar krijg je een nieuwe groene kaart. Je kunt de groene kaart downloaden vanuit je persoonlijke omgeving van ABN AMRO Verzekeringen.

[5] Passenger accident: €1,000,000 ↩

An occupant insurance (inzittendenverzekering) can be added as an optional cover so that passengers are also insured against, for example, injury claims, up to a maximum of EUR 1,000,000, a limit that applies to all occupants together.

Deze verzekering vergoedt schade aan bestuurder en andere inzittenden en hun spullen bij een verkeersongeval met de verzekerde auto, tot maximaal € 1.000.000,-. Het genoemde maximum van € 1.000.000,- geldt voor alle inzittenden tezamen.

[6] Bodily injury liability: €6,500,000 ↩

Damage to other persons (injury, physical or psychological, and death) caused by the insured car is covered up to €6,500,000 per event; the exact insured sum is stated on the insurance certificate.

Deze Wettelijke Aansprakelijkheidsverzekering (WA) is verplicht. Schade aan personen is verzekerd tot € 6.500.000.

[7] Property damage liability: €2,500,000 ↩

Damage to other people's property (other vehicles, loose belongings, real estate, animals) caused by the insured car is covered up to €2,500,000 per event.

Schade aan zaken van anderen tot € 2.500.000.

[8] Legal defence: Covered ↩

Costs of a court case brought against an insured person, and amounts an insured is ordered to pay by a judge, are covered; the insurer leads the case, chooses the lawyer and determines the position taken. No separate monetary cap is stated in the terms.

Kosten van een rechtszaak tegen een verzekerde. Wij hebben de leiding. Wij kiezen de advocaat. Wij bepalen het standpunt. Kosten waarvoor een verzekerde wordt veroordeeld.

[9] Green card: Covered ↩

The policy is valid in all countries listed on the Green Card, following that country's own laws and rules; countries crossed out on the Green Card are excluded.

In alle landen op de groene kaart. Volgens de wetten en regels van dat land. Niet: in de landen die zijn doorgestreept.

[10] Passenger accident: Covered ↩

Passengers are insured persons and are treated as third parties relative to the driver; injury or death of passengers is covered under the general bodily injury liability limit (up to €6,500,000), with no separate passenger accident sum insured under this WA policy. A dedicated passenger accident sum can be added via a separate Schadeverzekering Inzittenden policy.

[11] Bodily injury liability: €6,150,000 – €7,500,000 ↩

[12] Property damage liability: €2,500,000 ↩

Maximum compensation for damage to property/objects caused to third parties is €2.5 million.

[13] Legal defence: €50,000 ↩

Sold as a paid add-on to the WA, Beperkt Casco or All Risk cover. Reimburses litigation costs, experts and witnesses up to €50,000 in Green Card countries, up to €10,000 outside Green Card countries, and up to €7,500 for a self-chosen lawyer where one is not mandatory; assistance from NRS's own legal staff is uncapped.

[14] Green card: Covered ↩

The Green Card is issued together with the policy and shows in which countries the WA cover is valid; cover extends to Europe, Israel, Morocco, Tunisia and Turkey, and countries crossed out on the card are excluded.

[15] Passenger accident: €1,000,000 ↩

Same SVI cover and €1,000,000 per-event limit as for the driver; if total damages exceed this amount, compensation is divided among the occupants in proportion to the size of their loss, per Book 6 of the Dutch Civil Code.

[16] Bodily injury liability: €6,100,000 ↩

Covers injury to third parties caused by or with the insured vehicle, up to the maximum shown on the policy schedule; if the WAM prescribes a higher amount, that higher amount applies.

Maximale vergoeding: Personen €6,1 miljoen, spullen €2,5 miljoen.

[17] Property damage liability: €2,500,000 ↩

Covers damage to property of third parties (including other vehicles) caused by or with the insured vehicle, up to a maximum of EUR 2,500,000 per event; a higher statutory WAM amount, if applicable, prevails.

Maximale vergoeding: Personen €6,1 miljoen, spullen €2,5 miljoen.

[18] Legal defence: Covered ↩

If the policyholder is held liable for an event covered by this policy, Allianz Direct assists in handling the claim; no separate monetary maximum is stated for this assistance within the WA/MTPL policy. Broader legal-expenses cover for disputes (e.g. criminal/traffic proceedings, recovering damages from a third party) is only available via the separate optional (Verkeers)Rechtsbijstand add-on, which is not part of the base WA product.

We helpen je als je aansprakelijk wordt gesteld voor een gebeurtenis die onder je verzekering valt.

[19] Green card: Covered ↩

An International Motor Insurance Card (Green Card) is provided automatically with the policy. Cover extends to the countries printed on the card that are not crossed out, generally Europe plus Morocco, Tunisia and Turkey.

Je bent verzekerd in Europa, Marokko, Tunesië en Turkije. Bij je polis krijg je de Groene Kaart. Je bent verzekerd in de landen die op je groene kaart staan en die niet zijn doorgekruist.

[20] Passenger accident: Conditional ↩

Included under WA only when the driver of the insured car is at fault for the accident; passenger injury is then paid within the overall bodily-injury liability limit, with no separate sub-limit stated. If the driver is not at fault, passengers are not covered under WA and must rely on the optional Inzittendenverzekering (up to EUR 1,000,000) instead.

Letsel van de passagiers als de bestuurder iets te verwijten valt.

[21] Bodily injury liability: €6,450,000 ↩

Standard minimum third-party liability cover for personal injury is €6,450,000 per event, in line with Dutch WAM requirements; the exact insured amount is stated on the policy schedule and applies collectively to all insureds per event.

Het verzekerd bedrag voor materiële schade is € 2.500.000,- en het verzekerd bedrag voor letselschade is € 6.450.000,-.

[22] Property damage liability: €2,500,000 ↩

Third-party liability cover for property damage is insured up to €2,500,000 per event; the insured amount is stated on the policy schedule and applies to all insureds together per event.

Het verzekerd bedrag voor materiële schade is € 2.500.000,- en het verzekerd bedrag voor letselschade is € 6.450.000,-.

[23] Legal defence: Covered ↩

The costs of proceedings we choose to conduct and of legal assistance provided at our request are covered, if necessary above the sum insured; fines, settlement sums and criminal-process court costs are excluded. A separate optional Rechtsbijstand Motorrijtuig module (only if shown on the policy) additionally covers external legal-aid costs up to €15,000 per conflict.

We vergoeden de kosten van verweer, zo nodig boven het verzekerde bedrag. Het gaat dan om kosten van procedures die wij nodig vinden en de rechtsbijstand die u in onze opdracht krijgt. Ook gaat het om de kosten van een proces dat tegen ons wordt gevoerd. We vergoeden geen boetes, afkoopsommen en gerechtskosten die samenhangen met een strafproces.

[24] Green card: Covered ↩

Policyholders receive an International Insurance Certificate (Green Card) confirming the countries where the WA cover applies; cover does not apply in any country crossed out on the certificate.

De verzekering geldt bij gebeurtenissen in het gebied dat op het Internationaal Verzekeringsbewijs (groene kaart) staat. Is een gebied doorgekruist op het Internationaal Verzekeringsbewijs? Dan geldt deze verzekering niet in dat gebied.

[25] Passenger accident: Covered ↩

Passengers occupying a legally permitted seat are covered as third-party victims under the liability section (subject to the same liability limits) if they are injured due to the insured vehicle; cover does not apply to persons outside the driver's cabin or passenger seats. Separate optional Ongevallenverzekering (OVI) and Schadeverzekering voor Inzittenden (SVI) modules provide fixed accident/damage benefits regardless of fault.

[26] Bodily injury liability: Covered ↩

ANWB pays, per claim event and for all insureds together, up to the amount for personal injury stated on the policy schedule (polisblad), or a higher amount if legally required.

Bij schade aan personen, maximaal het vermelde bedrag op het polisblad.

[27] Property damage liability: Covered ↩

ANWB pays, per claim event and for all insureds together, up to the amount for property damage stated on the policy schedule (polisblad), or a higher amount if legally required.

Bij schade aan zaken, maximaal het vermelde bedrag op het polisblad.

[28] Legal defence: €50,000 ↩

Optional add-on providing legal assistance for traffic-related disputes (recourse, criminal defence, contract disputes related to the car). ANWB Rechtsbijstand reimburses up to €50,000 per claim event in total (€37,500 for group actions), and up to €5,000 for a self-chosen lawyer's fees.

Per schadegebeurtenis vergoeden wij in totaal nooit meer dan € 50.000,-. Bij een groepsactie per schadegebeurtenis maximaal € 37.500,-. Per schadegebeurtenis vergoeden wij maximaal € 5.000,- als je zelf een advocaat kiest.

[29] Green card: Covered ↩

The policy is valid in the Netherlands and in the countries listed on the Green Card (international motor insurance card) that are not crossed out; this is a scope-of-cover feature rather than a monetary limit.

Het buitenland, in de landen die staan op de groene kaart. De groene kaart is de internationale motorrijtuigverzekeringskaart. Je bent alleen verzekerd in de landen die niet zijn doorgehaald.

[30] Passenger accident: €1,000,000 ↩

Optional add-on covering bodily injury and personal-belongings damage of the driver and all passengers up to €1,000,000 per claim event, e.g. in case of a traffic accident, boarding/alighting, loading/unloading, refuelling, or roadside emergency repair.

Wij vergoeden maximaal € 1.000.000,- per schadegebeurtenis.

[31] Bodily injury liability: €6,450,000 ↩

You are covered for personal injury caused to others with or by the car, up to a maximum of €6,450,000 per event.

Je bent verzekerd voor maximaal de volgende bedragen: - bij letselschade: € 6.450.000; - bij schade aan spullen: € 2.500.000.

[32] Property damage liability: €2,500,000 ↩

You are covered for damage to other people's property caused with or by the car, up to a maximum of €2,500,000 per event.

Je bent verzekerd voor maximaal de volgende bedragen: - bij letselschade: € 6.450.000; - bij schade aan spullen: € 2.500.000.

[33] Legal defence: Covered ↩

You are covered for the costs of legal proceedings conducted with the insurer's consent or at its request, the costs of legal assistance obtained at the insurer's request, and statutory interest owed; these are paid even if they push the total above the policy limit, though no statutory interest is paid on the amount above the limit.

Wij vergoeden deze kosten ook als het bedrag waarvoor je verzekerd bent te laag is om alle schade te vergoeden. Maar als de totale schadevergoeding boven het bedrag uitkomt dat op je polisblad staat, betalen wij over het meerdere geen wettelijke rente.

[34] Green card: Covered ↩

The policy includes an International Motor Insurance Card (IMK, formerly Green Card); cover applies in the countries listed on the card and not crossed out.

Bij je polis krijg je een Internationale Motorrijtuigverzekeringskaart (IMK, voorheen de Groene Kaart). Deze verzekering dekt schade in de landen die zijn vermeld op de IMK en die niet zijn doorgekruist.

[35] Passenger accident: Covered ↩

Passengers are covered as third parties for injury and damage caused by or with the car, including damage caused by passengers getting in or out; hand luggage and clothing worn by passengers is also covered, within the bodily injury/property damage liability limits.

schade die wordt toegebracht aan spullen die je met de auto vervoert. Wij vergoeden wel schade aan de handbagage van passagiers en de kleding die zij dragen terwijl ze in de auto zitten;

[36] Bodily injury liability: €5,600,000 ↩

The mandatory WA cover pays up to €5,600,000 per claim for injury caused to third parties by the insured car; a higher statutory amount applies if the law requires it.

[37] Property damage liability: €2,500,000 ↩

The mandatory WA cover pays up to €2,500,000 per claim for damage to third-party property/vehicles caused by the insured car; a higher statutory amount applies if the law requires it.

[38] Legal defence: €10,000 – €60,000 ↩

Optional add-on providing legal support via ARAG-Nederland for recovering damage/injury from third parties and for certain criminal or purchase disputes; costs are unlimited in the Netherlands, up to €60,000 within the EU, and up to €10,000 outside the EU.

[39] Green card: Covered ↩

A Green Card is issued with the policy showing exactly which countries are covered; cover applies in Europe and in Mediterranean-bordering countries for up to 3 consecutive months, but not in countries not listed, or struck through, on the card.

[40] Passenger accident: €1,000,000 ↩

Optional Inzittenden cover pays up to €1,000,000 per claim, shared proportionally among all permitted occupants, for injury/property loss suffered by passengers in a traffic accident, even if the policyholder is not liable; payout is reduced 25% if a seatbelt was not worn.

[41] Bodily injury liability: €6,500,000 ↩

Covers compensation for bodily injury caused to third parties by the insured vehicle, up to €6,500,000 per event. This mandatory liability cover (WA) is required by law.

Schade aan anderen tot € 6.500.000,-.

[42] Property damage liability: €2,500,000 ↩

Covers compensation for damage to belongings, vehicles, real estate or animals of third parties caused by the insured vehicle, up to €2,500,000 per event.

Schade aan spullen van een ander tot € 2.500.000,-.

[43] Legal defence: Optional ↩

Optional add-on providing legal assistance to recover damages suffered in traffic (e.g. damage to the car caused by someone else, or injury from a traffic accident), including the costs of independent lawyers from Stichting Achmea Rechtsbijstand; no fixed maximum amount is stated in the sources.

De kosten van de onafhankelijke juristen van Stichting Achmea Rechtsbijstand zijn verzekerd.

[44] Green card: Covered ↩

The mandatory liability cover automatically includes valid coverage in all countries shown on the Green Card (Europe, Asian Turkey, Morocco and Tunisia), excluding countries crossed out on the card, currently Russia, Belarus, Iran and Azerbaijan.

[45] Passenger accident: €1,000,000 ↩

Optional occupant insurance (Inzittendenverzekering) covering medical costs, care costs, damages for pain and suffering, temporary loss of income, permanent disability and funeral costs for passengers after an unexpected traffic accident with the insured vehicle, sharing the same combined sum insured of up to €1,000,000 with the driver; luggage, clothing or belongings are covered up to €5,000.

Met de Inzittendenverzekering zijn medische kosten, zorgkosten, smartengeld en tijdelijk verlies van het inkomen na een ongeval met de auto verzekerd. Ook de kosten bij blijvende invaliditeit en kosten voor een uitvaart zijn dan verzekerd. Deze kosten zijn verzekerd tot € 1.000.000,-. Schade aan bagage, kleding of spullen in of op de auto is verzekerd tot € 5.000,-.

[46] Bodily injury liability: €6,450,000 ↩

Covers the policyholder's legal liability for bodily injury caused to third parties with or by the insured vehicle, up to a maximum of €6,450,000 per event.

U bent verzekerd voor maximaal de volgende bedragen: - bij letselschade € 6.450.000,-; - bij schade aan spullen € 2.500.000,-.

[47] Property damage liability: €2,500,000 ↩

Covers the policyholder's legal liability for material/property damage caused to third parties with or by the insured vehicle, up to a maximum of €2,500,000 per event.

U bent verzekerd voor maximaal de volgende bedragen: - bij letselschade € 6.450.000,-; - bij schade aan spullen € 2.500.000,-.

[48] Legal defence: Covered ↩

In addition to the insured liability amounts, De Zeeuwse pays statutory interest on the covered claim, the costs of defending against liability claims, and the costs of legal procedures; these may be paid on top of the insured sum, and the insurer decides whether conducting a procedure is necessary. No separate maximum amount is stated for these costs.

Daarnaast vergoeden we, eventueel ook boven het verzekerde bedrag: – de wettelijke rente over de schade die onder de dekking van de verzekering valt; – de kosten van het voeren van verweer tegen schadeclaims; – de kosten van procedures. Wij beslissen of het nodig is om een procedure te voeren.

[49] Green card: Covered ↩

The policy is valid in the countries listed on the International Motor Insurance Card (formerly 'green card') issued with the policy, and not struck through on that card; this document also serves as proof of cover and provides the emergency assistance phone number.

De verzekering is geldig in de landen die op uw Internationaal Verzekeringsbewijs (voorheen ‘groene kaart’) staan vermeld en niet zijn doorgehaald.

[50] Passenger accident: €15,000 – €45,000 ↩

Available only via the optional 'Ongevallenverzekering inzittenden' add-on: pays EUR 15,000 per occupant on death and up to EUR 45,000 per occupant on permanent disability resulting from a traffic accident. A separate optional 'Verkeersschadeverzekering' add-on also covers damage to occupants (including the driver) and their belongings in a traffic accident, up to EUR 1,000,000.

Deze verzekering keert een bedrag uit bij blijvende invaliditeit of overlijden van inzittenden door een verkeersongeval. De uitkering bij overlijden bedraagt € 15.000,- per inzittende. De maximale uitkering bij blijvende invaliditeit bedraagt € 45.000,- per inzittende. ... Deze verzekering vergoedt schade aan inzittenden en hun spullen bij een verkeersongeval met de verzekerde auto, voor maximaal € 1.000.000,-.

[51] Bodily injury liability: €5,600,000 – €6,100,000 ↩

[52] Property damage liability: €2,500,000 ↩

Covers legal liability for damage to property/vehicles of third parties caused by or with the insured car, up to €2,500,000 per claim; if the law requires a higher mandatory amount, that higher amount applies.

[53] Legal defence: €60,000 ↩

Optional add-on providing legal assistance via ARAG-Nederland for recovering injury/material damage from traffic incidents, vehicle purchase/repair disputes within the EU, and criminal defence. Cover is unlimited within the Netherlands, capped at €60,000 within the EU, and €10,000 outside the EU; ARAG only handles disputes involving a financial interest of €150 or more.

[54] Green card: Covered ↩

The policy is valid abroad, for a maximum of 3 consecutive months, in the countries listed and not crossed out on the Green Card, which in practice covers the countries of Europe plus Israel, Morocco and Tunisia.

[55] Passenger accident: €1,000,000 ↩

Optional add-on covering injury to occupants and damage to their belongings from a traffic accident, including cases where the policyholder is not liable, up to €1,000,000 per event, proportional to the permitted number of occupants; the payout is reduced by 25% if an occupant was not wearing a compulsory seatbelt.

[56] Bodily injury liability: €6,500,000 ↩

Covers injury/death caused to third parties by the insured car, up to €6,500,000 per event. This is the mandatory Dutch WA liability insurance.

Schade aan personen is verzekerd tot € 6.500.000.

[57] Property damage liability: €2,500,000 ↩

Covers damage to property/vehicles of third parties caused by the insured car, up to €2,500,000 per event.

Schade aan zaken van anderen tot € 2.500.000.

[58] Legal defence: Optional ↩

Optional module providing legal help recovering damage suffered in traffic (e.g. own-vehicle damage caused by another party, or personal injury from a traffic accident). Costs of independent lawyers of Stichting Achmea Rechtsbijstand are covered; no specific sum insured is stated.

Met Rechtsbijstand Verkeer krijgt u juridische hulp bij het verhalen van schade die u in het verkeer hebt opgelopen. ... De kosten van de onafhankelijke juristen van Stichting Achmea Rechtsbijstand zijn verzekerd.

[59] Green card: Covered ↩

The policy is valid in all countries shown on the Green Card, according to the laws of that country. Excluded countries: Russia, Belarus, Iran and Azerbaijan.

In alle landen op de groene kaart. Volgens de wetten en regels van dat land. Niet: in de landen die zijn doorgestreept.

[60] Passenger accident: €1,000,000 ↩

Optional Inzittendenverzekering module covering medical costs, care costs, pain and suffering, temporary loss of income, permanent disability and funeral costs for passengers after a traffic accident with the insured car, up to €1,000,000 combined with the driver; damage to luggage/clothing/belongings up to €5,000.

Met de Inzittendenverzekering zijn medische kosten, zorgkosten, smartengeld en tijdelijk verlies van het inkomen na een ongeval met de auto verzekerd.

[61] Bodily injury liability: €6,450,000 ↩

The WA (legal liability) insurance covers bodily injury caused to third parties up to a maximum of €6,450,000 per event.

U bent verzekerd voor maximaal de volgende bedragen: - bij letselschade € 6.450.000,-; - bij schade aan spullen € 2.500.000,-.

[62] Property damage liability: €2,500,000 ↩

The WA insurance covers damage to third-party property/goods up to a maximum of €2,500,000 per event.

U bent verzekerd voor maximaal de volgende bedragen: - bij letselschade € 6.450.000,-; - bij schade aan spullen € 2.500.000,-.

[63] Legal defence: Optional ↩

Legal defence for motor vehicle disputes is not included in the base WA policy but can be added as a supplementary cover (Rechtsbijstand Motorrijtuigen); no specific insured amount is stated.

[64] Green card: Covered ↩

The policy is valid abroad in the countries listed on the International Motor Insurance Certificate (Green Card) that are not crossed out; no separate monetary limit applies.

De verzekering is geldig in de landen die staan op het Internationaal Verzekeringsbewijs en niet zijn doorgehaald.

[65] Passenger accident: €15,000 – €1,000,000 ↩

Accident cover for passengers is not included in the base WA policy but can be added via two optional supplementary covers: the 'Ongevallen Inzittendenverzekering' pays EUR 15,000 on death and up to EUR 45,000 for permanent disability per occupant, and the 'Verkeersschadeverzekering' covers damage to occupants and their belongings up to EUR 1,000,000.

De uitkering bij overlijden bedraagt € 15.000,- per inzittende. De maximale uitkering bij blijvende invaliditeit bedraagt € 45.000,- per inzittende. ... Deze verzekering vergoedt schade aan inzittenden en hun spullen bij een verkeersongeval met de verzekerde auto, voor maximaal € 1.000.000,-.

[66] Bodily injury liability: €6,100,000 ↩

Mandatory third-party liability cover for bodily injury caused by the insured car to other people, up to EUR 6,100,000 per event.

Je bent verzekerd voor maximaal de volgende bedragen: - bij letselschade: 6.100.000 euro

[67] Property damage liability: €2,500,000 ↩

Mandatory third-party liability cover for damage caused by the insured car to other people's property, up to EUR 2,500,000 per event.

- bij schade aan spullen: 2.500.000 euro

[68] Legal defence: Unlimited ↩

Optional legal-assistance rider (Autorechtsbijstand) that covers the cost of legal help to an unlimited amount for conflicts related to the insured car. Separately, the base WA policy covers court and legal defence costs, but only if Achmea has instructed the lawyer or given prior consent.

[69] Green card: Covered ↩

The car is covered in the countries shown on the Green Card, which policyholders can print themselves from the online policy portal; cover extends to all of Europe, countries bordering the Mediterranean, and other Green Card countries not crossed out.

Je auto is verzekerd in heel Europa, alle landen die grenzen aan de Middellandse zee, en alle landen die op de groene kaart staan en niet doorstreept zijn.

[70] Passenger accident: €1,500,000 ↩

Deze verzekering vergoedt schade aan inzittenden en hun spullen bij een verkeersongeval met de verzekerde auto, tot maximaal 1.500.000 euro.

[71] Bodily injury liability: €7,500,000 ↩

Injury caused to a third party by the insured vehicle is compensated up to a maximum of €7,500,000 per event.

Als iemand door jouw schuld gewond is geraakt, dan vergoeden we maximaal € 7.500.000 per gebeurtenis.

[72] Property damage liability: €2,500,000 ↩

Damage caused with the insured vehicle to a third party's vehicle or other property is compensated up to a maximum of €2,500,000 per event.

Als je schade hebt veroorzaakt aan andermans auto of andere spullen, dan vergoeden we maximaal € 2.500.000 per gebeurtenis.

[73] Legal defence: — ↩

Available as an optional add-on module, provided by DAS. The cost ceiling depends on the type of dispute: unlimited for traffic-accident damage disputes and disputes about contracts related to the car, but capped at €5,000 for criminal traffic proceedings; if the policyholder chooses their own external legal representative instead of DAS's in-house specialist, external costs are capped at €12,500 per event.

[74] Green card: Covered ↩

Policyholders automatically receive an International Insurance Certificate (formerly the Green Card) listing the countries where the policy applies; coverage is valid in all listed countries that are not crossed out.

Bij je polis krijg je een Internationaal Verzekeringsbewijs (voorheen de Groene Kaart). Deze verzekering geldt in alle landen die op het Internationale Verzekeringsbewijs staan en die niet zijn doorgestreept.

[75] Passenger accident: €1,000,000 ↩

Passengers are not covered for their own injury under the base WA liability policy; this is available via the optional Module Schade Inzittenden, which pays out up to €1,000,000 per event, shared between the driver and all passengers, regardless of who caused the accident.

De maximale uitkering op de module Schade Inzittenden is € 1.000.000 per gebeurtenis. Dit bedrag geldt voor de bestuurder en andere inzittenden van je auto samen.

[76] Bodily injury liability: €7,500,000 ↩

InShared reimburses damage to persons up to a maximum of €7,500,000 per claim, plus statutory interest owed to others; if a higher statutory maximum applies (e.g. abroad), that higher amount is reimbursed.

Bij schade aan personen maximaal € 7.500.000

[77] Property damage liability: €2,500,000 ↩

InShared reimburses damage to goods/property up to a maximum of €2,500,000 per claim.

Bij schade aan alleen zaken maximaal € 2.500.000

[78] Legal defence: Covered ↩

InShared may pay court and legal assistance costs beyond damage to others or their property, but only if InShared instructed or authorised this; no separate maximum is stated for this element.

Soms betalen we nog meer dan schade aan anderen of hun spullen. Denk aan kosten van rechtszaken en rechtsbijstand. Maar alleen als we hiervoor de opdracht hebben gegeven. Of als we u hiervoor toestemming hebben gegeven.

[79] Green card: Covered ↩

The policyholder's proof of insurance (Green Card) is available in the digital insurance folder and can be printed; it determines in which countries the car is insured, including transport between listed countries.

Dit verzekeringsbewijs ('Groene Kaart') vindt u in uw digitale Verzekeringsmap en kunt u zelf printen. U bent ook verzekerd als uw Auto wordt vervoerd tussen landen die op uw verzekeringsbewijs staan.

[80] Passenger accident: €1,500,000 ↩

Personal injury/accident cover for passengers is only available as an extra add-on (Schadeverzekering inzittenden, 'extra af te sluiten'), not included in the base WA liability policy; maximum €1,500,000 per claim, shared proportionally among all occupants.

Wij vergoeden maximaal € 1.500.000 per schadegeval.

[81] Bodily injury liability: €6,450,000 ↩

Klaverblad covers your liability towards others for personal injury (injury or death) caused with or by your car, up to €6,450,000 per event. A higher amount is paid for damage abroad if required by local law.

Schade aan personen is verzekerd tot € 6.450.000,-.

[82] Property damage liability: €2,500,000 ↩

Klaverblad covers your liability towards others for damage to property (vehicles or belongings) caused with or by your car, up to €2,500,000 per event.

Schade aan zaken van anderen tot € 2.500.000,-.

[83] Legal defence: Optional ↩

Legal defence is not part of the base WA module. It can be added as the optional module Verkeersrechtsbijstand, which provides legal help through the Klaverblad Rechtsbijstand Stichting up to a 'Verzekerd bedrag Hoog' or 'Verzekerd bedrag Laag' shown on the policy schedule; the exact amounts are not disclosed in the general policy text.

U bent verzekerd voor rechtshulp door de Klaverblad Rechtsbijstand Stichting. Dit is een onafhankelijke organisatie die speciaal hiervoor is opgericht.

[84] Green card: Covered ↩

With your policy you receive a Green Card. The insurance is valid in all countries listed on the Green Card that have not been crossed out; the Green Card also states which telephone number to call abroad for assistance.

Bij uw polis krijgt u een Groene kaart. Deze verzekering geldt in alle landen die op de Groene kaart staan en niet zijn doorgehaald.

[85] Passenger accident: Optional ↩

Passenger accident cover is not part of the base WA module. It can be added via the optional module Schadeverzekering inzittenden (SVI), covering property and personal injury of passengers from a traffic accident up to the amount shown on the policy schedule, reduced by 25% if the passenger was not wearing a seatbelt.

Als u tijdens het verkeersongeluk geen veiligheidsgordel droeg en het letsel is hierdoor ontstaan of erger geworden, dan vergoeden we 25% minder.

[86] Bodily injury liability: €6,500,000 ↩

Covers legal liability for bodily injury caused to third parties by the insured vehicle, up to a maximum of €6,500,000 per claim.

De verzekering biedt per schadegeval (claim) dekking tot een maximum bedrag. Voor letselschade is dat € 6.500.000. Voor schade aan spullen is het maximum € 2.500.000.

[87] Property damage liability: €2,500,000 ↩

Covers legal liability for damage to third-party property (and animals) caused by the insured vehicle, up to a maximum of €2,500,000 per claim.

De verzekering biedt per schadegeval (claim) dekking tot een maximum bedrag. Voor letselschade is dat € 6.500.000. Voor schade aan spullen is het maximum € 2.500.000.

[88] Legal defence: Covered ↩

Includes passive legal protection: the insurer both settles justified third-party claims and defends the policyholder against unfounded claims, limited to the amount stated on the policy schedule.

[89] Green card: Covered ↩

The policy includes an International Motor Insurance Card (Green Card) giving proof of cover in the countries listed on it; coverage does not apply in countries suspended or crossed out on the card.

[90] Passenger accident: €1,000,000 ↩

The WA policy itself does not cover injury to occupants in cases of 'force majeure' (e.g. an animal crossing the road); passenger accident cover is only available via the optional 'schadeverzekering inzittenden' add-on, covering bodily injury and belongings up to €1,000,000 per event, shared among occupants if the total damage exceeds this maximum. The payout is reduced by 25% per occupant if the seatbelt was not worn.

Kies je voor deze dekking, dan vergoeden we ook schade door een ongeval aan de bestuurder en andere inzittenden. De maximale vergoeding voor letselschade is € 1.000.000 per gebeurtenis.

[91] Bodily injury liability: €6,450,000 ↩

Covers bodily injury or death caused to third parties with the insured vehicle, up to €6,450,000 per event.

Schade aan personen is verzekerd tot € 6.450.000.

[92] Property damage liability: €2,500,000 ↩

Covers damage caused to property or animals of third parties with the insured vehicle, up to €2,500,000 per event, well above the Dutch statutory WAM minimum of €1,300,000.

Schade aan zaken van anderen tot € 2.500.000.

[93] Legal defence: Covered ↩

The insurer leads and pays for the defence against liability claims made against the insured, including any court-awarded costs; bail (borgkosten) abroad is covered up to €25,000 per event. A separate optional Traffic Legal Assistance (Verkeersrechtsbijstand) rider is available for the policyholder's own disputes.

Wij hebben de leiding, kiezen de advocaat en bepalen het standpunt. ... Tot maximaal € 25.000 per gebeurtenis.

[94] Green card: Covered ↩

A green card is issued with the policy, valid in all countries shown on the card that are not crossed out.

In alle landen op de groene kaart en volgens de wetten en regels van dat land. Met groene kaart bedoelen we het internationaal verzekeringsbewijs, dat wij bij deze autoverzekering hebben afgegeven.

[95] Passenger accident: Optional ↩

Optional Schadeverzekering Inzittenden (SVI) rider covers injury to, and belongings of, occupants of the insured car after a traffic accident, regardless of fault. Belongings are covered up to €2,500 per accident; the personal-injury/death benefit amount is set on the policy schedule, not fixed in the T&Cs.

Wij betalen bij schade aan personen maximaal het verzekerd bedrag dat op het polisblad staat.

[96] Bodily injury liability: Covered ↩

Covers injury or death caused to third parties by the insured vehicle when the driver is liable, including damage caused by a coupled trailer or caravan. The insured sum is shown on the policy schedule, and a higher statutory foreign maximum applies abroad where applicable.

Schade die met of door de verzekerde auto, bestuurd door een bevoegde bestuurder, wordt toegebracht aan andere personen of zaken van derden.

[97] Property damage liability: Covered ↩

Covers damage to property of third parties caused by the insured vehicle (or a coupled trailer/caravan) when the driver is liable. The insured sum is stated on the policy schedule.

Schade veroorzaakt aan personen of zaken van derden door een aanhangwagen, caravan, vouwwagen, fietsendrager of ander voer- of werktuig gekoppeld aan de auto.

[98] Legal defence: Covered ↩

If the policyholder is held liable in a lawsuit for damage caused with the car, the insurer pays the legal costs, including legal support, appoints the lawyer and determines the position and strategy; statutory interest on a damages award is also reimbursed. No cap is stated.

Word je in een rechtszaak aansprakelijk gesteld voor een schade die met de auto is veroorzaakt? Dan vergoeden wij de kosten van deze rechtszaak, bijvoorbeeld de kosten van juridische ondersteuning. Wij kiezen jouw advocaat en bepalen het standpunt en de strategie.

[99] Green card: Covered ↩

Cover extends to the Netherlands and to the countries listed (and not crossed out) on the International Motor Insurance Card; a higher statutory liability maximum applicable abroad is also covered.

Je bent verzekerd binnen Nederland en in de landen die op het Internationaal Verzekeringsbewijs (voorheen 'groene kaart') staan en niet zijn doorkruist.

[100] Passenger accident: €1,000,000 ↩

Passengers are covered as third parties under WA liability if the driver is at fault. Broader no-fault cover for passenger injury, death or damage to belongings is available via the optional Schadeverzekering voor Inzittenden (SVI), up to a maximum of €1,000,000 per event, shared among all affected insured occupants; the payout is reduced by 25% if a seatbelt was not worn.

Het verzekerde bedrag bedraagt maximaal € 1.000.000 per gebeurtenis voor alle getroffen verzekerden samen. Bij het niet dragen van een veiligheidsgordel is de uitkering 25% lager.

[101] Bodily injury liability: Covered ↩

The maximum insured amount for bodily injury liability per event (for all insureds combined) is stated on the policy schedule; if the loss occurs in a country with an equivalent law prescribing a higher amount, that higher amount applies.

Op het polisblad staat het maximaal verzekerde bedrag per schadegebeurtenis voor alle verzekerden samen.

[102] Property damage liability: €2,500,000 ↩

NH1816 insures property damage liability up to €2,500,000 per event, above the EU-mandated minimum of €1,300,000; the exact combined maximum for all insureds is stated on the policy schedule.

Nh1816 hanteert echter een bedrag van € 2.500.000,- voor zaakschade. Jouw aansprakelijkheid als automobilist voor schade toegebracht aan andere weggebruikers is bij Nh1816 dus prima verzekerd.

[103] Legal defence: Covered ↩

NH1816 covers legal defence costs if an insured is criminally prosecuted and NH1816 arranges a lawyer, plus defence and litigation costs if NH1816 leads the proceedings, and statutory interest up to the insured amount; fines, settlements and court costs are excluded.

de kosten van rechtsbijstand als verzekerde strafrechtelijk wordt vervolgd en wij voor een advocaat zorgen omdat de verdediging naar onze mening van belang is in verband met het vastellen van de aansprakelijkheid. Wij vergoeden geen boetes, afkoopsommen en gerechtskosten;

[104] Green card: Covered ↩

The policy is valid in Europe and the countries around the Mediterranean Sea.

U bent verzekerd in Europa en de landen rond de Middellandse Zee.

[105] Passenger accident: Optional ↩

Passenger accident cover is not part of this WA liability policy but can be purchased alongside it as a separate Schadeverzekering voor Inzittenden (SVI).

Ook kunt u een Rchtsbijstandsverzekering verkeer of een Schadeverzekering voor Inzittenden afsluiten.

[106] Bodily injury liability: €7,500,000 ↩

NN pays up to €7,500,000 per event for bodily injury that the insured driver causes to third parties. If a country covered by the International Insurance Certificate (Green Card) requires a higher statutory minimum, that higher amount applies instead.

Wij vergoeden maximaal € 7.500.000,- per gebeurtenis als je iemand verwondt door jouw schuld.

[107] Property damage liability: €2,500,000 ↩

NN pays up to €2,500,000 per event for damage the insured vehicle causes to another person's car or belongings.

Als je schade hebt veroorzaakt aan andermans auto of andere spullen, dan vergoeden we per gebeurtenis maximaal € 2.500.000,-.

[108] Legal defence: Optional ↩

Optional Rechtsbijstand module handled by DAS. Legal help for damage disputes arising in traffic and for contract disputes about the car is unlimited; help in traffic-related criminal cases is capped at €25,000 in external costs. DAS's own internal specialists are always unlimited; if you choose your own external lawyer, external costs are capped at €12,500 per event.

[109] Green card: Covered ↩

Every WA policy includes an International Insurance Certificate (formerly the Green Card), proving cover and defining in which countries (those not crossed out on the certificate) the policy is valid.

Bij jouw polis krijg je een Internationaal Verzekeringsbewijs (voorheen de Groene Kaart). Deze verzekering geldt in alle landen die op het Internationale Verzekeringsbewijs staan en die niet zijn doorgestreept.

[110] Passenger accident: €5,000 – €60,000 ↩

The optional module Ongevallen Inzittenden covers passengers on the same basis as the driver: a one-off lump sum for permanent disability or death, chosen from three tiers (€5,000/€25,000, €12,500/€40,000, or €25,000/€60,000 for death/disability respectively).

- € 5.000 bij overlijden en € 25.000 bij blijvende invaliditeit - € 12.500 bij overlijden en € 40.000 bij blijvende invaliditeit - € 25.000 bij overlijden en € 60.000 bij blijvende invaliditeit.

[111] Bodily injury liability: Covered ↩

Covers the policyholder's legal liability for injury to third parties caused by the insured car; the maximum indemnity per event is the sum insured stated on the policy schedule, with a higher statutory limit applying if required by the law of a covered country. OHRA additionally pays a guarantee deposit demanded by authorities up to €50,000 per event for all insureds combined, legal costs and statutory interest on top of the sum insured, and reasonable costs of measures taken to prevent or limit damage (bereddingskosten).

[112] Property damage liability: Covered ↩

Covers the policyholder's legal liability for damage to third-party property caused by the insured car; the maximum indemnity per event is the sum insured stated on the policy schedule, with a higher statutory limit applying if required by the law of a covered country. Consequential and business-interruption damage is excluded when the policyholder damages another motor vehicle of their own. The €50,000 guarantee-deposit cover and above-sum-insured legal costs/interest described under bodily injury liability apply to the same combined WA sum insured.

[113] Legal defence: Unlimited ↩

Optional add-on module providing legal assistance via ARAG. Cover for disputes about traffic-related damage/personal injury and for criminal traffic proceedings is unlimited (the former subject to a minimum claim value of €225); cover for disputes about contracts relating to the car (purchase, repair, insurance, towing) is capped at €12,500 with the same €225 minimum claim value. A €250 deductible applies if the policyholder chooses an external legal counsel instead of an ARAG specialist for a court/administrative procedure without mandatory legal representation. ARAG can advance up to €25,000 bail/property-release deposit for a foreign criminal case, and can pay up to €1,250 if the liable third party is unable to compensate the policyholder within three years.

[114] Green card: Covered ↩

The policy provides cover in the countries listed on the Internationaal Verzekeringsbewijs (formerly the Green Card); the insured is not covered in any country crossed out on that certificate. Where the law of a covered country prescribes a higher minimum liability amount than the Dutch sum insured, the higher statutory amount automatically applies.

[115] Passenger accident: Optional ↩

Same optional module as driver accident cover: pays a fixed sum insured per insured passenger (stated on the policy schedule) for death or permanent disability caused directly by a road accident while a passenger in, entering or exiting the car. A separate optional module, Schade Inzittenden, additionally covers material damage/possessions of occupants and pets travelling safely restrained (up to €500 per pet per event), but is a distinct coverage from the accident (injury/death) benefit.

[116] Bodily injury liability: €6,550,000 ↩

Covers damage for injury or death caused to third parties as a result of an accident involving the insured vehicle, up to a maximum of €6,550,000 per event.

Dekt schade voor letsel of overlijden veroorzaakt aan derden als gevolg van een ongeval waarbij de verzekerde auto betrokken is. Max €6.550.000 per gebeurtenis

[117] Property damage liability: €2,500,000 ↩

Covers damage to third-party property, such as cars, buildings, or personal belongings, caused by the insured vehicle, up to €2,500,000 per event.

Dekt schade aan eigendommen van derden, zoals auto’s, gebouwen of persoonlijke bezittingen, veroorzaakt door het verzekerde voertuig. Max €2.500.000 per gebeurtenis

[118] Legal defence: €50,000 ↩

Optional add-on (base WA excludes legal assistance costs unless separately purchased) providing legal advice and support for traffic-related disputes via BrandMR. Process costs are covered up to €50,000 within Europe and €10,000 outside Europe per event; external legal counsel costs are capped at €7,500 per event.

Proceskosten (o.a. griffierecht, advocaatkosten, kosten vanwege getuigen, kosten vanwege deskundigen) Maximaal €50.000 binnen Europa Maximaal €10.000 buiten Europa

[119] Green card: Covered ↩

Policyholders receive an International Insurance Certificate (formerly the Green Card); cover applies in all countries listed on it that are not crossed out, and also while the vehicle is transported between two such countries.

Je bent verzekerd in de landen die op de groene kaart staan en niet zijn doorgestreept. Wordt je auto vervoerd tussen twee van de landen op de kaart? Dan geldt de verzekering ook.

[120] Passenger accident: €1,250,000 ↩

Optional add-on that pays compensation for injury to passengers and damage to their personal belongings after a traffic accident involving the insured vehicle, up to a maximum of €1,250,000 per event, shared among all insured occupants.

De maximale schadevergoeding bedraagt €1.250.000 per gebeurtenis, verdeeld over alle verzekerden.

[121] Bodily injury liability: Covered ↩

Unigarant reimburses, per event and for all insureds combined, up to the amount stated on the individual policy schedule for injury to third parties, and a higher amount if legally required under the Dutch Motor Liability Insurance Act (WAM); the T&C document itself states no fixed euro figure.

Bij schade aan personen, maximaal het vermelde bedrag op het polisblad.

[122] Property damage liability: Covered ↩

Unigarant reimburses, per event and for all insureds combined, up to the amount stated on the individual policy schedule for damage to third-party property, and a higher amount if legally required under the WAM; the T&C document itself states no fixed euro figure.

Bij schade aan zaken, maximaal het vermelde bedrag op het polisblad.

[123] Legal defence: €50,000 ↩

Optional rider handled by ANWB Rechtsbijstand, covering legal costs up to €50,000 per event in total (€37,500 per event for a group action); if the policyholder chooses their own lawyer instead of the ANWB lawyer, the lawyer's fee and office costs are capped at €5,000 per event.

Per schadegebeurtenis vergoeden wij in totaal nooit meer dan € 50.000,-. Bij een groepsactie per schadegebeurtenis maximaal € 37.500,-.

[124] Green card: Covered ↩

Cover (other than the Replacement Transport add-on) applies in the Netherlands, all European Green Card countries except any that are crossed out on the card, and all non-European Green Card countries except any crossed out; the Green Card evidences this international liability cover.

Alle Europese landen op de groene kaart, behalve de landen die zijn doorgehaald.

[125] Passenger accident: €5,000 – €45,000 ↩

Optional rider paying, per deceased occupant, €5,000 under the 'standaard' tier or €10,000 under the 'uitgebreid' tier, and for permanent disability up to €20,000 per event under 'standaard' or up to €45,000 per event under 'uitgebreid'. A related optional rider, Zekerheid voor inzittenden, separately covers occupant injury/property loss up to €1,000,000 per event plus €10,000 per deceased occupant.

Indien dekking 'standaard' van toepassing is, € 5.000,-. • Indien dekking 'uitgebreid' van toepassing is, € 10.000,-.

[126] Bodily injury liability: Covered ↩

The mandatory WAM liability cover (Rubriek A) pays the insured's civil liability for bodily injury caused to third parties with or by the car, up to the sum insured stated on the policy schedule (applies jointly to all insureds per event). If a Green Card country requires a higher statutory minimum, that higher amount automatically becomes the insured sum (Art. 11.3.b). Identical wording in the standard Autoverzekering and Autoverzekering Premium.

een hoger bedrag dan het verzekerd bedrag als met of door uw auto schade wordt veroorzaakt in een land zoals vermeld op de groene kaart, waar - volgens met de WAM vergelijkbare wetgeving - een hoger verzekerd bedrag is voorgeschreven.

[127] Property damage liability: Covered ↩

The mandatory WAM liability cover (Rubriek A) pays the insured's civil liability for material/property damage caused to third parties with or by the car, up to the sum insured stated on the policy schedule (applies jointly to all insureds per event, combined with bodily injury). No specific euro figure is disclosed in the general terms; it is set on the individual policy schedule. Identical in both tiers.

tot maximaal het op het polisblad vermelde verzekerde bedrag per gebeurtenis; voor de burgerrechtelijke aansprakelijkheid van de verzekerde;

[128] Legal defence: Covered ↩

Under Rubriek A (Art. 11.2.3), VvAA covers, without a stated maximum, the legal-assistance costs the insured incurs (with VvAA's consent) in a criminal case, the litigation/defence costs against a liability claim (if VvAA provided or pre-approved the defence), and statutory interest on the compensation. The separate, Premium-exclusive Verhaalservice (Rubriek D) is a distinct optional recovery-cost service capped at €1,000 if the at-fault third party is insolvent — see product_specific_constraints.

Kosten van rechtsbijstand die u met onze toestemming maakt in een strafzaak die tegen u is ingesteld.

[129] Green card: Covered ↩

The Green Card lists the countries in which the policy is valid; only the countries not struck through on the card are covered (Art. 3 / 17.2). If a foreign authority demands a security deposit (bail) to lift a vehicle seizure or a travel restriction following a traffic offence, VvAA provides this security up to €50,000 per insured event (Art. 11.2.2).

Op uw groene kaart (het internationale verzekeringsbewijs) staat in welke landen u verzekerd bent. U bent alleen verzekerd in de landen die niet zijn doorgehaald.

[130] Passenger accident: €1,000,000 ↩

Optional Rubriek F (Premium) / Rubriek E (standard) 'Schadeverzekering Inzittenden' compensates the actual damage (medical costs, income loss, damaged belongings, pain & suffering) suffered by the driver or any occupant in a car accident, regardless of fault, up to €1,000,000 per event for all insureds combined; minimum €12,500 on death; payout reduced to 75% of the damage amount if the occupant was not wearing a seatbelt. Only applies if shown on the policy.

De vergoeding is maximaal € 1.000.000,- per gebeurtenis. Dit bedrag is voor alle verzekerden samen. Is de totale schade meer dan € 1.000.000,-? Dan krijgen de verzekerden hun schade naar verhouding vergoed. Bij overlijden van een verzekerde vergoeden wij minimaal € 12.500,-.

[131] Bodily injury liability: Covered ↩

ZEKUR pays the damage it is legally required to pay under the Wet Aansprakelijkheidsverzekering Motorrijtuigen (WAM), up to the insured amount stated on the policy schedule.

Wij betalen de schade die wij volgens de Wet Aansprakelijkheidsverzekering Motorrijtuigen moeten betalen. Tot maximaal het verzekerd bedrag dat op je polis staat.

[132] Property damage liability: Covered ↩

ZEKUR pays for damage to others' property caused with the insured car, up to the amount required by the WAM and stated on the policy schedule.

Wij betalen de schade die wij volgens de Wet Aansprakelijkheidsverzekering Motorrijtuigen moeten betalen. Tot maximaal het verzekerd bedrag dat op je polis staat.

[133] Legal defence: €50,000 ↩

Optional add-on handled by Univé Rechtshulp. If a lawyer is legally required and ZEKUR arranges it, covered costs run up to €50,000 per event. If a lawyer is not legally required and you choose your own external expert, ZEKUR pays up to €4,500 per event with a €250 deductible. Legal advice under Dutch law is also available even without this cover.

Wij betalen je dan de verzekerde kosten tot maximaal € 50.000,- per gebeurtenis. Wij betalen nooit meer dan je financiële belang van het verzekerde conflict.

[134] Green card: Covered ↩

Gewoon ZEKUR WA provides coverage in Europe, Morocco, Tunisia, and Turkey, and the Green Card is issued together with the policy as proof of insurance; a valid Green Card must be shown to any service or repair provider.

Je bent verzekerd in Europa, Marokko, Tunesië en Turkije. Bij je polis krijg je de Groene Kaart. Daarop staat precies in welke landen je verzekerd bent.

[135] Passenger accident: Optional ↩

Optional add-on covering injury, death, and damage to belongings of the driver and passengers after an accident with the insured car, regardless of fault, up to the amount stated on the policy schedule; not included in the base WA cover.

Als jij of een andere inzittende door een ongeluk met de verzekerde auto: schade aan je spullen of huisdieren krijgt... gewond raakt; overlijdt.

[136] Bodily injury liability: €6,450,000 ↩

Compensation for personal injury caused to others with the insured car, up to a maximum of €6,450,000 per event.

Personenschade vergoeden wij tot maximaal € 6.450.000,- per gebeurtenis.

[137] Property damage liability: €2,500,000 ↩

Compensation for material damage caused to others with the insured car, up to a maximum of €2,500,000 per event.

Wij vergoeden materiële schade tot maximaal € 2.500.000,- per gebeurtenis.

[138] Legal defence: Covered ↩

If the insured is criminally prosecuted in relation to a covered event, ZLM arranges and pays for a lawyer; fines, settlement sums and court costs are not covered.

De kosten van rechtsbijstand als de verzekerde strafrechtelijk wordt vervolgd en wij voor een advocaat zorgen. Wij vergoeden geen boetes, afkoopsommen en gerechtskosten.

[139] Green card: Covered ↩

The policy is valid in the countries listed on the international insurance certificate (green card), which is renewed and sent annually; each country applies its own legal rules for liability insurance.

Uw autoverzekering geldt in de landen die genoemd zijn op het internationaal verzekeringsbewijs (groene kaart). U krijgt jaarlijks een nieuw internationaal verzekeringsbewijs van ons. Elk land heeft zijn eigen wettelijke regels voor de verzekering van aansprakelijkheid.

[140] Passenger accident: Covered ↩

Passengers seated normally in the car are named insured parties, and their clothing and hand luggage are covered; injury to a passenger caused by the insured driver's fault is compensated within the bodily injury liability limit (up to €6,450,000 per event). This is fault-based liability cover, not a fault-independent accident benefit; a separate SVI product covers occupants regardless of fault.

schade aan voorwerpen in uw auto. Kleding en handbagage van passagiers zijn wel verzekerd;