Ditzo B.V. (brand of ASR Nederland N.V.)
Ditzo
Ditzo is a motor third-party liability insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
If repairs are carried out by a repair shop designated by Ditzo, the customer does not pay upfront: Ditzo settles directly with the network garage via the Haal & Breng (collect & deliver) service, including a free replacement car and a 4-year guarantee on repairs and parts.
Geographic scope
Countries listed on the Green Card (typically all European countries plus Israel, Morocco and Tunisia)
Cover applies abroad for a maximum of 3 consecutive months in the countries shown on the Green Card; cover does not apply in countries not listed, or crossed out, on the Green Card.
Unique selling points
- No-claim discount can build up to 75% off the premium for damage-free driving years.
- Cashless repairs at a designated network garage come with a free replacement car and a 4-year guarantee on repairs and parts.
- 24/7 free Ditzo Alarmcentrale assistance for accidents, fire or theft, both within the Netherlands and abroad, including repatriation.
- No policy fees, fully online quoting and self-service policy management via the Mijn Ditzo portal.
- Coverage modules can be switched on or off daily and, after the first year, the policy can be cancelled at any time.
Coverage limits
Property damage liability
€2,500,000
Covers legal liability for damage to property/vehicles of third parties caused by or with the insured car, up to €2,500,000 per claim; if the law requires a higher mandatory amount, that higher amount applies.
Legal assistance (Rechtsbijstand)
€60,000
Optional add-on providing legal assistance via ARAG-Nederland for recovering injury/material damage from traffic incidents, vehicle purchase/repair disputes within the EU, and criminal defence. Cover is unlimited within the Netherlands, capped at €60,000 within the EU, and €10,000 outside the EU; ARAG only handles disputes involving a financial interest of €150 or more.
Green Card (International Motor Insurance Certificate)
Covered
The policy is valid abroad, for a maximum of 3 consecutive months, in the countries listed and not crossed out on the Green Card, which in practice covers the countries of Europe plus Israel, Morocco and Tunisia.
Roadside/accident assistance (Mobiliteitsgarantie / Hulpverlening)
€1,250
Included with the WA policy: if the car cannot be driven after fire, accident or theft, the Ditzo Alarmcentrale arranges transport of driver/passengers and the car, replacement transport (max €100/day, max €1,250 per event abroad) and repatriation. Breakdown assistance (Pechhulp) for mechanical/electronic faults is a separate optional module shown on the policy schedule, and cannot be added for cars older than 15 years.
Driver personal accident
Excluded
The WA liability cover explicitly excludes personal injury to the driver of the insured car and damage to the driver's own belongings; a separate accident insurance for occupants must be purchased to cover this.
Passenger accident (Schadeverzekering Inzittenden)
€1,000,000
Optional add-on covering injury to occupants and damage to their belongings from a traffic accident, including cases where the policyholder is not liable, up to €1,000,000 per event, proportional to the permitted number of occupants; the payout is reduced by 25% if an occupant was not wearing a compulsory seatbelt.
Key conditions
Territorial scope
Cover applies in the Netherlands and, for up to 3 consecutive months, abroad in the countries shown (and not crossed out) on the Green Card.
Green card rules
The Green Card lists the countries where the policy is valid; countries not listed, or crossed out on the card, are not covered.
Driver restrictions
The registered number plate must be in the policyholder's name or that of a cohabiting partner; a premium surcharge applies if the main driver is under 22 with 0 or fewer no-claim years, if the driver is under 22 and the car is 14 years or older, or if the car is older than 14 years and there are 0 or fewer no-claim years.
Claim notification deadline
Claims must be reported as soon as the policyholder is aware of them; a claim reported more than 36 months after the event will not be paid out.
Bonus-malus rules
Premium depends on the Ditzo no-claim ladder (Bonusladder); a claim-free year increases the discount, up to a maximum of 75% according to the Insurance Product Information Document and the underlying no-claim table (the customer terms document DC1206 separately states a maximum of 70%); a claim causes the ladder position to drop, with the size of the fallback depending on the current step and number of claims in that year.
Policy specifics
Geographical coverage area
Coverage extends to countries listed on the Green Card, typically European countries plus Israel, Morocco, and Tunisia
SourceInsurers' association documentMaximum coverage limits
Bodily injury liability: €6,100,000 per claim; Property damage: €2,500,000 per claim
SourceInsurers' association documentNo deductible for third-party liability
The WA coverage has no deductible, meaning claims are covered in full without self-insurance
SourceInsurers' association documentExclusion for commercial or business use
Coverage does not apply to damage during rental, lease, or business use of the vehicle (including courier services or passenger/cargo transport for payment)
SourceInsurers' association documentNo-claims bonus discount (Schadevrije Jaren)
Policyholders can accumulate no-claims discount years for damage-free driving, with discounts up to 75% possible
SourceIncluded roadside assistance and transport services
Coverage includes towing, replacement vehicle provision, repatriation of insured persons and vehicles after accidents, and emergency repairs abroad
SourceInsurers' association document