ANWB B.V. (Royal Dutch Touring Club ANWB)

Territorial scope

The policy covers the Netherlands and the countries shown on the Green Card that are not crossed out; the optional Vervangend Vervoer Europa cover additionally excludes Albania and non-European parts of otherwise-covered countries (e.g. Morocco, Asian Turkey).

Green card rules

The Green Card is the international motor insurance card; the policyholder is only insured in the countries on the card that have not been crossed out.

Driver restrictions

No cover if the driver has no valid licence (unless simply forgot to renew it), is disqualified from driving by law or court order, does not meet the legal requirements for supervised driving (2toDrive), was driving under the influence of alcohol, drugs, medicines, laughing gas or similar substances such that a driving ban would apply, or refused a blood/alcohol test; commercial/business use of the car is also excluded from cover.

Claim notification deadline

Claims must be reported as soon as possible; there is no fixed number of days in the T&Cs, but statutory limitation rules apply and the policyholder has three years to respond if they disagree with a (partial) refusal of a claim.

Bonus-malus rules

The no-claim discount (no-claimkorting) is based on accumulated claim-free years, reaching a maximum of 80% after 15 claim-free years; filing 1, 2, 3 or 4+ claims in a policy year reduces the discount and the number of claim-free years according to a fixed table, though certain claim types (e.g. animal collisions, third-party-paid damage, accessories/replacement-vehicle/occupant/legal-assistance-only claims) do not affect the discount.

No-claim discount

Policyholders can build up to 80% no-claim discount if they drive without claims

Safe driving discount

ANWB Veilig Rijden variant offers up to 30% additional discount for safe driving behavior monitored via app

Occupant protection / Inzittendenverzekering

Optional supplementary coverage providing financial protection for all vehicle occupants in case of accident, including personal injury and damage to personal belongings, with maximum coverage of €1,000,000 per accident

Purchase price guarantee / Aanschafwaardegarantie

In case of theft or total loss, the full purchase price is reimbursed up to €75,000, or market value plus 10% if higher. Available for 1, 3, or 36 months depending on coverage tier

Traffic legal assistance

Optional add-on providing legal assistance for traffic-related disputes including liability claims, damage compensation, and contractual matters related to vehicle

Replacement vehicle

24/7 access to replacement vehicle in case of accident or damage at no cost

Direct settlement with authorized repairers

Claims can be settled directly with ANWB authorized repair network without policyholder advance payment; no deductible applies when using approved repairers

24/7 alarm center support

24/7 telephone access to ANWB Alarm Center for immediate assistance with damage assessment, claim form completion, and roadside support

Mandatory driving behavior monitoring

For Veilig Rijden variant: mandatory GPS tracking via smartphone app and beacon/dongle; continuous location access required even when not driving; non-compliance may result in policy non-renewal

Financial regulatory oversight

ANWB insurance operates under supervision of Netherlands Authority for the Financial Markets (AFM) and De Nederlandsche Bank (DNB); administered by Unigarant subsidiary

Window/glass damage repair conditions

Glass repair (not replacement) at authorized repair network incurs no deductible; glass replacement attracts €350 deductible and higher out-of-network charges

Direct settlement with injured third parties

Under the mandatory liability cover, ANWB has the right to compensate injured third parties directly and to negotiate and conclude settlements with them, within the limits of its obligations.