Centraal Beheer (brand of Achmea Schadeverzekeringen N.V. / Achmea Pensioen- en Levensverzekeringen N.V.)
Centraal Beheer
Centraal Beheer is a motor third-party liability insurance for the Netherlands market with online purchase and limited assistance availability.
Direct payment
Centraal Beheer settles liability claims directly with the injured third party, rather than reimbursing the policyholder, and may agree settlements directly with that party.
Geographic scope
Netherlands
Coverage applies in all countries shown on the Green Card, following the laws of that country, including Europe, Asian Turkey, Morocco and Tunisia; it does not apply in countries crossed out on the card, currently Russia, Belarus, Iran and Azerbaijan.
Unique selling points
- The no-claim discount can build up to a maximum of 79%, among the highest levels stated in the market.
- Coverage extends beyond the standard Green Card zone to Asian Turkey, Morocco and Tunisia.
- Bail costs abroad are covered up to €100,000 per event if the car is seized or the policyholder is detained.
- Policyholders can cancel their policy on a daily basis via the app, MijnCB or phone, with no fixed notice period.
- Independent legal assistance costs via Stichting Achmea Rechtsbijstand are covered under the optional traffic legal aid add-on.
Coverage limits
Bodily injury liability
€6,500,000
Covers compensation for bodily injury caused to third parties by the insured vehicle, up to €6,500,000 per event. This mandatory liability cover (WA) is required by law.
Property damage liability
€2,500,000
Covers compensation for damage to belongings, vehicles, real estate or animals of third parties caused by the insured vehicle, up to €2,500,000 per event.
Traffic legal assistance
Optional
Optional add-on providing legal assistance to recover damages suffered in traffic (e.g. damage to the car caused by someone else, or injury from a traffic accident), including the costs of independent lawyers from Stichting Achmea Rechtsbijstand; no fixed maximum amount is stated in the sources.
Green Card / international liability coverage
Covered
The mandatory liability cover automatically includes valid coverage in all countries shown on the Green Card (Europe, Asian Turkey, Morocco and Tunisia), excluding countries crossed out on the card, currently Russia, Belarus, Iran and Azerbaijan.
Roadside assistance (Netherlands and abroad)
Optional
Optional add-on (Pechhulp Nederland and/or Pechhulp Buitenland) providing help in case of breakdown, including emergency roadside repairs, towing, transport of the vehicle, driver and passengers, and replacement transport; also covers an attached touring caravan, folding caravan, trailer or box trailer.
Driver accident cover (occupant insurance)
€1,000,000
Optional occupant insurance (Inzittendenverzekering) covering medical costs, care costs, damages for pain and suffering, temporary loss of income, permanent disability and funeral costs for the driver after an unexpected traffic accident with the insured vehicle, up to €1,000,000; belongings, clothing or luggage in or on the vehicle are covered up to €5,000. If multiple occupants are injured in the same event, the sum insured is divided proportionally among them.
Passenger accident cover (occupant insurance)
€1,000,000
Optional occupant insurance (Inzittendenverzekering) covering medical costs, care costs, damages for pain and suffering, temporary loss of income, permanent disability and funeral costs for passengers after an unexpected traffic accident with the insured vehicle, sharing the same combined sum insured of up to €1,000,000 with the driver; luggage, clothing or belongings are covered up to €5,000.
Key conditions
Territorial scope
The policy is valid in all countries shown on the Green Card, following the laws and regulations of that country; it does not apply in countries that are crossed out on the Green Card (currently Russia, Belarus, Iran and Azerbaijan). Coverage also extends to Asian Turkey, Morocco and Tunisia.
Green card rules
A Green Card is required as proof of insurance abroad; the vehicle is covered only in the countries listed on the card and not in countries that are crossed out.
Driver restrictions
Any driver who has permission from the policyholder and/or the vehicle owner is covered, provided they hold a valid driving licence, are not disqualified from driving, and comply with 2toDrive rules where applicable; cover is excluded if the driver has more alcohol in their blood or breath than legally permitted, has used drugs, medication or other intoxicating substances affecting driving ability, or refuses to cooperate with a test.
Claim notification deadline
A claim must be reported as soon as possible via the Centraal Beheer app, online via MijnCB, or by phone; the sources do not specify a fixed number of days.
Bonus-malus rules
The policy uses a bonus-malus system with steps 1 to 30. A claim-free year raises the step and the associated discount, up to a stated maximum of 79%, while each paid claim lowers the step (and discount) according to a fixed table depending on the current step and the number of claims in that policy year. A policyholder with 0 no-claim years starts at step 6. Discount percentages in the table can be adjusted annually.
Where to buy
Policy specifics
Liability coverage for bodily injury
Coverage for bodily injury to third parties caused by the insured vehicle
SourceLiability coverage for property damage
Coverage for property damage to third-party belongings caused by the insured vehicle
SourceRecovery and transport assistance
Coverage for recovery and transport of damaged vehicle to a Dutch address
SourceTransport of driver and passengers
Coverage for transport of driver and passengers after an accident when they cannot continue driving
SourceInsurers' association documentLegal representation costs
Coverage for legal representation costs through Stichting Achmea Rechtsbijstand
SourceInsurers' association documentBail costs abroad
If the insured vehicle is seized abroad or an insured person is detained, bail costs are covered up to a maximum amount per event
SourceDamage to own vehicle exclusion
WA coverage does not include damage to the insured's own vehicle
SourceSpeed racing and circuit exclusion
Coverage is excluded if the vehicle participates in speed racing, driving skills competitions, or training for such activities, or racing on circuits like Nürburgring
SourceInsurers' association documentAlcohol and drug impairment exclusion
Damage is not covered if the driver has more alcohol or drugs in their blood/breath than legally permitted, or refuses to submit to testing
SourceInsurers' association documentDirect payment to third-party claimants
Insurer pays claims directly to the third party for liability claims
Source14-day cancellation right
Policyholder has 14 days from policy receipt to cancel without penalty or reason
Source