Extracted from source documents

Avéro Achmea Motor third-party liability (Auto Wa Particulieropzeker)

Underwritten by Avéro Achmea · Netherlands

motor third-party liability insurance from Avéro Achmea for the Netherlands market, with 24/7 assistance.

Verified Sep 1, 2026 · Terms dated 2025-07Sources

24/7 helpline

Unique selling points

Liability sums insured of €6,500,000 for personal injury and €2,500,000 for property damage, well above the statutory minimums.

Even the basic WA (liability-only) policy includes assistance in the Netherlands and abroad when the car can no longer be driven after an accident, fire, theft or other sudden external event, or when the driver suddenly falls ill.

Bail/bond costs abroad are covered up to €100,000 per event if the car is seized or an insured is detained.

Liability for a comparable replacement car is automatically covered for up to 30 days while the insured car is being repaired, serviced or inspected.

The insurer takes full control of legal defence against an insured, including choosing the lawyer and determining the position taken in court.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

€6.5M

Covered

Legal defence costs

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.

Clause 11Page 6

Section: Verzekerd > 11. Welke extra kosten zijn naast de schade verzekerd?

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.

Covered

Green Card / international coverage

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.

Clause 3Page 3

Section: Algemeen > 3. Waar geldt de verzekering?

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

Conditional

Assistance after damage (NL and abroad)

Conditional

Assistance is included only when the car is undrivable due to fire, theft, accident or another sudden external event, or the driver cannot drive due to sudden illness and no one else present may drive; the insured must call the insurer's alarm centre. Covers emergency roadside repair (labour only, max €200 for shipping replacement parts), towing, transport of car/driver/passengers, a replacement driver, and overnight stays (max €75 per person per night) while the car is repaired abroad; repatriation to the Netherlands applies only if repair abroad takes more than 48 hours.

Clause 12Page 6

Section: Verzekerd > 12. Wanneer is hulp bij schade in Nederland en het buitenland meeverzekerd?

Uw auto is zo beschadigd dat u er niet meer mee kunt rijden. Door brand, diefstal, een ongeval of andere plotselinge gebeurtenis van buitenaf. De bestuurder kan de auto niet meer besturen door plotselinge ziekte. En er rijdt niemand anders mee die de auto kan en mag besturen.

Excluded

Driver personal accident

Excluded

Damage to the driver, and to the driver's own belongings or animals, is explicitly excluded from this WA (third-party liability only) policy.

Clause 17Page 11

Section: Niet verzekerd > 17. Welke schade is niet verzekerd?

Schade aan de bestuurder. Ook niet schade aan spullen of dieren van de bestuurder.

Covered

Passenger accident / injury

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.

Source no longer reachable

Key conditions

Driver restrictions

The driver must hold a valid driving licence and be legally permitted to drive; coverage is excluded if the driver has no valid licence, is banned from driving by law, court or the car's owner, does not meet 2toDrive rules, has used alcohol/drugs/medicines above the legal limit or affecting driving ability, refuses a breath/saliva/blood test, displays very dangerous driving behaviour (e.g. using a phone while driving), or leaves the scene of an accident to the insurer's detriment. Racing, speed trials and circuit driving (e.g. Nürburgring) are excluded, except skill training given by a Wrm-licensed instructor.

Claim notification deadline

Contact your advisor as soon as possible after a loss; the terms do not specify a fixed number of days.

Bonus-malus rules

The policy uses a bonus-malus system: no claims in a policy year add 1 claim-free year and raise the bonus-malus level (higher discount); paid claims reduce claim-free years and lower the bonus-malus level (lower discount or a surcharge), per the tables in the policy annexes. Claim-free years are reported to the shared Roy-Data database used by all insurers.

Territorial scope

Coverage applies in all countries listed on the Green Card, according to the laws and rules of that country. Countries crossed out on the Green Card are not covered.

Documents

Terms and conditions Auto - WA (PRS-BV-56-251, July 2025) (opens in a new tab)

Terms & conditions · PDF

Terms and conditions Auto - WA (PRS-BV-56-241, January 2024) (opens in a new tab)

Terms & conditions · PDF

Terms and conditions Auto - WA (PRS-BV-56-231, January 2023) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document - Auto WA (opens in a new tab)

Product information sheet · PDF

Product page - WA car insurance (opens in a new tab)

Other document · PDF

Policy specifics

Third-party liability for personal injury

Coverage for bodily injury to third parties up to €6,500,000 per event

SourceInsurers' association document

Section: Wat is verzekerd? > Aansprakelijkheid (WA)

Schade aan personen is verzekerd tot € 6.500.000.

Third-party liability for property damage

Coverage for property damage to third parties up to €2,500,000 per event

SourceInsurers' association document

Section: Wat is verzekerd? > Aansprakelijkheid (WA)

Schade aan zaken van anderen tot € 2.500.000.

Own vehicle damage exclusion

Pure WA (Third-Party Liability) does not cover damage to the policyholder's own vehicle

SourceSource no longer reachable

Damage caused by insured vehicle to others

Covers damage caused by the insured vehicle to other vehicles, persons, or property of third parties

SourceClause 7Page 5

Section: Verzekerd > 7. Wanneer is schade van een ander verzekerd?

De verzekerde auto veroorzaakt de schade. ...En een verzekerde is aansprakelijk voor de schade.

Bail/bond costs abroad

If the car is seized or an insured is detained abroad due to a covered loss, bail costs are paid up to €100,000 per event (current terms); the policyholder must help recover the amount once the car is released or the insured freed.

SourceClause 15Page 8

Section: Verzekerd > 15. Betalen wij borgkosten bij schade in het buitenland?

Ja, bij schade in het buitenland betalen wij borgkosten. Als uw auto in beslag is genomen of een verzekerde wordt vastgehouden. Als de schade verzekerd is. Maximaal € 100.000 per gebeurtenis. U helpt het bedrag terug te krijgen zodra de auto is vrijgegeven of de verzekerde is vrijgelaten.

Mandatory motor vehicle insurance

WA insurance is legally required for all motor vehicles in the Netherlands

Source

Section: Voorkom een boete en betaal de premie op tijd.

Bij een auto of ander vervoersmiddel is een WA‑verzekering verplicht.

Valid driver's license requirement

Coverage is excluded if the driver does not hold a valid driver's license at time of incident

SourceClause 16Page 8

Section: Niet verzekerd > 16. Wanneer is schade door de auto niet verzekerd?

De bestuurder mag niet rijden. Hij heeft geen geldig rijbewijs.

Bonus-malus system (No-Claims Discount)

Premium adjustments based on claim history: lower premium (bonus) for no claims, higher premium (malus) for claims

SourceClause 25Page 11

Section: Bonus Malus > 25. Hoe werkt bonus malus?

Als wij geen schade betalen, dan stijgt u in bonus malus trede(n) vanaf het volgende verzekeringsjaar (bonus). ...Als wij schade(s) betalen, dan daalt u in bonus malus treden vanaf het volgende verzekeringsjaar (malus).

Geographical coverage areas

Coverage applies in Netherlands and abroad according to countries listed on the International Insurance Certificate (Green Card)

SourceClause 3Page 3

Section: Algemeen > 3. Waar geldt de verzekering?

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

Change notification obligations

Policyholder must report changes such as a new registration, fuel type, main driver or change of use within 14 days; sale or theft of the car must be reported immediately

SourceClause 4Page 4

Section: Algemeen > 4. Welke veranderingen meldt u binnen 14 dagen?

De auto is verkocht. Dit meldt u direct. De verzekering stopt. De auto is gestolen. Dit meldt u direct.

Racing and competition exclusion

Coverage excludes participation in speed competitions, races, or organized driving skill tests/training

SourceClause 16Page 8

Section: Niet verzekerd > 16. Wanneer is schade door de auto niet verzekerd?

De auto doet mee aan een wedstrijd. Bijvoorbeeld een snelheidsrit. Bijvoorbeeld een behendigheidsrit of training hiervoor.

Circuit/track driving exclusion

Coverage excludes use of vehicle on racing circuits or closed tracks

SourceClause 16Page 8

Section: Niet verzekerd > 16. Wanneer is schade door de auto niet verzekerd?

De auto rijdt op een circuit. Bijvoorbeeld op een circuit als de Nürburgring.

Sources