Ansvar Insurance Company N.V.
AnsvarIdéa
AnsvarIdéa is a motor third-party liability insurance for the Netherlands market with no online purchase and 24/7 assistance.
Direct payment
For WA liability claims the insurer settles directly with injured third parties and the policyholder may not admit liability or pay compensation without consent. Under the industry Directe Schadeafhandeling scheme, however, WA and WA Beperkt Casco claims are excluded from direct own-insurer settlement — the policyholder must claim from the at-fault party's insurer rather than AnsvarIdéa directly.
Geographic scope
Netherlands
Coverage applies in the countries shown (and not crossed out) on the International Motor Insurance Certificate (Green Card) attached to the policy, generally covering Europe and neighbouring Mediterranean countries; cover ceases if the vehicle stays abroad for more than six consecutive months.
Unique selling points
- No-claim discount can reach up to 80%, with an extra loyalty discount of up to 15% on top for customers with multiple policies.
- Repairs at an affiliated Schadegarant repairer (over 1,500 garages nationwide) include a free replacement vehicle for the repair period.
- Windscreen repair or replacement through the Glasgarant network carries a zero-euro deductible.
- A 36-month purchase-value settlement scheme, up to €60,000, protects owners of used cars that were no older than 48 months when the policy began.
- AnsvarIdéa follows a sustainable investment policy, never investing premium funds in child labour, alcohol, tobacco, weapons or environmentally harmful activities.
Coverage limits
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.
Property damage liability
€2,500,000
Standard minimum third-party liability cover for property damage is €2,500,000 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.
Legal defence costs
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.
Green Card / International Insurance Certificate
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.
Roadside assistance (WA level)
Covered
For vehicles under 3,500 kg train weight insured at least at WA level, assistance covers transport of the damaged vehicle and of the driver/passengers within the Netherlands after an accident, fire or other external calamity; a stoppage caused only by mechanical breakdown is not covered at WA level. Wider cross-border recovery and breakdown assistance apply once Mini Casco or Casco is also in force.
Driver accident/injury cover
Excluded
Liability for the driver's own personal injury (personenschade van de bestuurder) is explicitly excluded from the WA cover. Drivers who want accident protection must separately purchase the optional Ongevallenverzekering voor Inzittenden (OVI).
Passenger liability / accident cover
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.
Key conditions
Territorial scope
Cover applies to events occurring in the area shown on the Internationaal Verzekeringsbewijs (Green Card); any territory crossed out on the certificate is excluded. Cover ends if the vehicle stays abroad more than six consecutive months.
Green card rules
The policyholder receives an International Insurance Certificate (Green Card) that lists exactly which countries are covered; some non-WAM countries apply higher statutory liability limits, and those higher limits then apply automatically.
Driver restrictions
No cover if the driver had no valid licence for the vehicle, was disqualified from driving, drove under the influence of alcohol, drugs or medication affecting driving ability (unless the policyholder proves this was without their knowledge and against their will), used the vehicle without authorisation, for hire/reward, or in races, speed trials or on a circuit.
Claim notification deadline
The WA-specific terms do not state a fixed notification deadline; claims must be reported as soon as reasonably possible under the General Conditions. For the optional legal-aid (Rechtsbijstand) module, the event must in any case be reported within three years of becoming aware of it.
Bonus-malus rules
Premium is set via a 20-step bonus-malus scale; the discount rises to a maximum of 80% from step 15 upward after claim-free years, and falls by several steps after a claim (severity depends on the number of claims in the past year). Once a policyholder has more than 15 pure claim-free years, a single claim always causes the record to fall back to 10 pure claim-free years, since actuarial analysis shows years beyond 15 no longer reduce risk further.
Documents
IPID – Idéaal Autoverzekering WA
IPID
Terms and Conditions – Ansvar Idéaal Autoverzekering Model 06-2022-I (current)
Terms & conditions
Terms and Conditions – Ansvar Idéaal Autoverzekering Model 05-2020.I (superseded)
Terms & conditions
Terms and Conditions – Ansvar Idéaal Autoverzekering Model 10-2020.IE (superseded, incl. EV roadside assistance)
Terms & conditions
General claim form (AnsvarIdéa)
Other document
Policy specifics
Liability coverage limits
Standard minimum coverage of €2,500,000 for property damage and €6,450,000 for personal injury liability
SourceInsurers' association documentGeographic coverage territory
Coverage extends across Europe, Israel, Morocco, Tunisia, and Turkey with Green Card confirmation
SourceInsurers' association documentPost-accident transport assistance
Covered transport of vehicle to Netherlands address following accident, fire, or theft within and outside Netherlands
SourceInsurers' association documentMandatory statutory insurance
Third-party liability (WA) is legally mandatory under Dutch law (WAM - Wet Aansprakelijkheidsverzekering Motorrijtuigen) for all motor vehicle owners
SourceNo coverage for own vehicle damage
WA coverage explicitly excludes all damage to the insured's own vehicle; covers only liability to third parties
SourceInsurers' association documentZero deductible on WA claims
Third-party liability claims under WA coverage carry no deductible/excess
SourceNo-claim discount system (bonus-malus)
Premium reduction based on number of claim-free years; maximum 80% discount with bonus-malus system; claims result in 5-year regression
SourceIntentional damage exclusion
Coverage does not apply to damage intentionally caused by the insured or driver, or caused while driving without valid license
SourceExtended foreign residence exclusion
Coverage excluded if vehicle remains outside Netherlands for more than 6 consecutive months
SourceDirect claims settlement (DCS) option
Policyholder can report third-party claims directly to Ansvar instead of to liable party's insurer; Ansvar handles recovery
Source