ABN AMRO Bank N.V.
ABN AMRO
ABN AMRO is a motor third-party liability insurance for the Netherlands market with online purchase and limited assistance availability.
Direct payment
For WA and WA Beperkt Casco policyholders, ABN AMRO Verzekeringen handles claims caused by a third party directly through Direct Claims Settlement (DSA), so the policyholder does not have to report the damage to the at-fault party's insurer themselves.
Geographic scope
Netherlands
Coverage applies in the Netherlands and abroad in the countries shown on the international insurance certificate (green card) issued with the policy; a new green card is issued each year.
Unique selling points
- The WA coverage scored 8.3 in the Consumentenbond test of April 2026.
- Direct Claims Settlement (DSA) means ABN AMRO handles claims against an at-fault third party for the policyholder, without them having to contact the other insurer.
- Claim-free driving can earn a no-claim discount of up to 80% on the premium.
- Insuring a second car can get a discount of up to 70% on that car's premium.
- Policyholders can adjust their coverage on a daily basis themselves.
Coverage limits
Bodily injury liability
Covered
No limit stated
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); the official sources reviewed do not state a specific maximum insured amount.
Property damage liability
Covered
No limit stated
The WA policy covers statutory liability for damage caused to third-party vehicles or property, as legally required in the Netherlands; no specific maximum insured amount is stated in the reviewed official sources.
Motor legal expenses cover (Autorechtsbijstand)
€50
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.
Green card (international motor insurance certificate)
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.
Roadside assistance (Pechhulp)
€5
Pechhulp is an optional add-on that can be selected when taking out the car insurance, providing help in case of breakdown, for example with a flat battery on an electric car.
Driver accident cover
Optional
No limit stated
An occupant insurance (inzittendenverzekering) can be added as an optional cover so that the driver is also insured for injury claims; the reviewed official WA sources do not state a specific insured amount.
Passenger accident cover
Optional
No limit stated
An occupant insurance can be added as an optional cover so that passengers are also insured against, for example, injury claims; the reviewed official WA sources do not state a specific insured amount.
Key conditions
Territorial scope
The policy is valid in the Netherlands and abroad, in the countries listed and not crossed out on the green card issued annually with the policy.
Green card rules
If travelling with a caravan that has its own registration, a second green card is needed for Germany, Poland and Spain, and for any country if the caravan weighs more than 750 kg.
Driver restrictions
The car insurance can be taken out by private individuals and sole proprietors (zzp'ers) for cars with a Dutch registration; a sole proprietor may only insure the car privately if it is used occasionally for business, such as commuting to work.
Claim notification deadline
Damage must be reported as soon as possible, either by phone (0900-0024, or +31 26 400 23 45 from abroad) or via the European accident report form available on abnamro.nl.
Bonus-malus rules
Claim-free driving is rewarded with a no-claim discount of up to 80% on the premium; a second car insured with ABN AMRO can benefit from a discount of up to 70% based on the no-claim years built up on the first car.
Policy specifics
Direct Claims Settlement (DSA)
Direct handling of claims caused by third parties through ABN AMRO's claims network
SourceTransport assistance after accident
Coverage for transportation and towing of vehicle and passengers after an accident, including repatriation
SourceInsurers' association documentNo excess on third-party liability
Third-party liability cover does not subject the policyholder to an excess or deductible
SourceLegal requirement (WAM compliance)
Third-party liability insurance is mandatory under Dutch law (Wet aansprakelijkheidsverzekering motorrijtuigen)
SourceClaims reporting obligation
Policyholder must report claims as soon as possible through specified channels
Source