a.s.r. Motor third-party liability (Autoverzekering Wa)
Underwritten by ASR Schadeverzekering N.V. · Netherlands
motor third-party liability insurance from a.s.r. for the Netherlands market, with online purchase and 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2015-01Sources
Unique selling points
No-claim discount can build up to 75% of the premium.
"No-blame, no-claim" principle: if you are not at fault for damage, your no-claim discount is unaffected.
The a.s.r. Alarmcentrale is available 24/7 if your car is damaged or stolen and can no longer be driven; breakdown assistance can be added as an optional cover.
A trailer or caravan is automatically covered under third-party liability while it is attached to the car.
Young drivers and drivers in big cities start on the same base no-claim tier as everyone else, with no premium surcharge at the lowest tier.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
Legal defence / liability procedure costs
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.
Section: 4 Wat krijg je vergoed? > Wettelijke aansprakelijkheid (WA)
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.
International Motor Insurance Card (Green Card / IMK)
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.
Section: Waar ben ik gedekt?
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.
Roadside / emergency assistance (Alarmcentrale)
€1.3K
Hulpverlening (assistance following theft, fire or external damage that leaves the car undriveable) is a core part of the WA policy and includes transport, recovery and, abroad, hire of a replacement car up to €100/day and a maximum of €1,250 per event. Pechhulp (assistance for a mechanical/electronic breakdown) is only covered if stated on the policy schedule.
Section: 4 Wat krijg je vergoed? > Hulpverlening
Je krijgt maximaal € 100 per dag zolang de auto niet gebruikt kan worden. En maximaal tot de einddatum van de oorspronkelijke vakantie. Je krijgt maximaal € 1.250 per gebeurtenis.
Driver personal accident cover
€1M
The base WA policy excludes personal injury to the driver and damage to the driver's own belongings, but the optional Schade Inzittenden cover pays damage to occupants (including the driver) and their belongings following a traffic accident, up to a maximum of €1,000,000.
Section: Wat is verzekerd? > Keuze: schade Inzittenden
Deze verzekering vergoedt schade aan inzittenden en hun spullen bij een verkeersongeval met de verzekerde auto, voor maximaal € 1.000.000. Is de schade door een andere verzekering gedekt? Dan geldt die verzekering.
Passenger accident/liability cover
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.
Section: 5 Wanneer krijg je geen vergoeding? > Wettelijke Aansprakelijkheid (WA)
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;
Key conditions
Driver restrictions
No compensation is paid if the driver does not hold a valid driving licence at the time of the event, subject to limited exceptions (e.g. a licence expired less than a year, a licence obtained but not yet received, or driving under supervision); driving without permission from the owner/holder is also excluded.
Claim notification deadline
Claims must be reported as soon as the policyholder becomes aware of the damage; a claim reported more than 36 months after the event will not be compensated, and the same 36-month period applies for disputing the insurer's final decision.
Bonus-malus rules
Premium depends on a no-claim ladder with steps 1 to 31; a new policyholder with 0 claim-free years starts at step 5, and one claim-free year moves you up the ladder until the maximum discount of 75% is reached, while a claim causes you to drop back according to a fixed table.
Territorial scope
Coverage applies in the countries listed on the International Motor Insurance Card (IMK/Green Card); countries crossed out on the card are not covered.
Documents
Terms and Conditions - Car Insurance Third-Party Liability (WA) (opens in a new tab)
Terms & conditions · PDF
Terms and Conditions - Car Insurance Third-Party Liability (WA), alternative version (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document (IPID) - Car Insurance WA (opens in a new tab)
Product information sheet · PDF
Policy specifics
International coverage (IMK/Green Card)
Coverage applies in countries listed on the International Motor Insurance Card (IMK, formerly Green Card)
SourceInsurers' association documentSection: Waar ben ik gedekt?
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.
Maximum liability limits
Personal injury limit €6,450,000; property damage limit €2,500,000 per claim
SourceInsurers' association documentSection: Wat is verzekerd? > Aansprakelijkheid (WA)
Je bent verzekerd voor maximaal de volgende bedragen: - bij letselschade: € 6.450.000; - bij schade aan spullen: € 2.500.000.
Commercial use exclusion
Coverage does not apply if vehicle is used commercially, including for hire/rental or professional transport of persons or goods
SourceInsurers' association documentSection: Wat is niet verzekerd? > Verhuur, lease of zakelijk gebruik
Je bent niet verzekerd voor schade tijdens verhuur of lease van de auto aan een ander. Of als je de auto zakelijk gebruikt. Bijvoorbeeld voor vervoer van personen of vracht tegen betaling, waaronder koeriersdiensten.
Emergency roadside assistance (Alarmcentrale)
24/7 emergency assistance via the Alarmcentrale if the car is damaged or stolen and can no longer be driven; breakdown assistance is an optional cover.
SourceInsurers' association documentSection: Wat is verzekerd? > Hulpverlening na een ongeval
Is je auto beschadigd of gestolen? En kun je daardoor niet verder rijden? Schakel dan onze Alarmcentrale in. Dan vergoeden wij de kosten van hulpverlening.
Sources
- asr.nlhttps://www.asr.nl/asr/api/asrnl/pod/getpdf?uri=/POD/r/Pdf/57624.pdf#page=10(opens in a new tab)
- asr.nlhttps://www.asr.nl/asr/api/asrnl/pod/getpdf?uri=/POD/r/Pdf/57624.pdf#page=4(opens in a new tab)
- asr.nlhttps://www.asr.nl/asr/api/asrnl/pod/getpdf?uri=/POD/r/Pdf/57624.pdf#page=5(opens in a new tab)
- asr.nlhttps://www.asr.nl/verzekeringen/autoverzekering/wa(opens in a new tab)
a.s.r. Motor third-party liability