FBTO (trade name of Achmea Schadeverzekeringen N.V., Achmea Pensioen- en Levensverzekeringen N.V. and FBTO Zorgverzekeringen N.V.)

Territorial scope

The car is insured in Europe, Asian Turkey, Morocco and Tunisia. Not insured in: Russia, Belarus, Iran and Azerbaijan.

Green card rules

Coverage applies according to the laws and regulations of the country where the damage occurs; claims within Europe, Asian Turkey, Morocco and Tunisia are covered, but not in Russia, Belarus, Iran or Azerbaijan.

Driver restrictions

Damage is not covered if the driver has no valid licence, is legally or judicially barred from driving, does not have permission from the owner, does not comply with 2toDrive rules, has more alcohol/drugs in blood or breath than legally allowed, refuses a breath/saliva/blood test, or leaves the scene of the accident (harming FBTO's interests).

Claim notification deadline

Report damage as soon as possible via fbto.nl, MijnFBTO or the SchadeApp. Important changes in circumstances (e.g. moving house, selling the car, change of main driver) must be reported within 14 days; late reporting can reduce or void the claim payment.

Bonus-malus rules

Without a claim, the policyholder gains 1 extra claim-free year; when FBTO pays out 1, 2, 3 or 4+ claims in a policy year, claim-free years decrease according to a fixed table (e.g. from 15 years to 10/5/0/-5 respectively), which typically results in a higher premium. Claim-free years are shared with all insurers via Roy-Data.

Accessories coverage

With WA Plus or WA Casco insurance, accessories mounted on or attached to the vehicle are covered up to €8,000, excluding legally prohibited items

New value and purchase value arrangement

With WA Plus and WA Casco, customers can choose a 1, 2, or 3-year new value or purchase value arrangement for total loss or theft. After 3 years, the current market value (day value) applies

Repair network choice

Customers can choose between FBTO-approved repair shops (with 4-year guarantee, replacement transport up to 30 days, direct payment to garage) or free choice repair shops (Eigen Keuze Herstelbedrijf). Deductible increases by €600 if choosing non-FBTO network garage

Glass damage coverage

Window/glass damage is covered under WA Plus and WA Casco (not WA). With FBTO repair shops, deductible does not apply for repair; minimum €150 deductible for replacement. With free choice repair, must be done by BOVAG-affiliated shops

Own damage exclusion (WA only)

WA coverage does not include own damage. Damage to own vehicle (accident, collision, crash, etc.) is only covered with WA Plus or WA Casco

Collision damage exclusion (WA Plus only)

WA Plus covers damage from fire, storm, hail, lightning, flood, theft, and animal collisions, but NOT from collisions, skidding, or accidents caused by the driver. Only WA Casco covers these damage types

Comprehensive damage coverage (WA Casco)

WA Casco covers virtually all damage to the vehicle including fire, storm, hail, theft, vandalism, burglary, and collision damage - even if caused by the driver. Covers accidental self-inflicted damage

Deductible options

For WA Plus and WA Casco, customers can choose deductible (excess) of €0, €150, €300, or €500. No deductible applies to liability (WA) coverage. Minimum €150 deductible for glass replacement

Liability coverage limits

WA (liability) covers up to €6,500,000 for personal injury and up to €2,500,000 for property damage caused by the insured vehicle. These are statutory minimum limits in the Netherlands

Towing and transport coverage

All variants (WA, WA Plus, WA Casco) include towing and transport of damaged vehicle to an address in the Netherlands. Also covers transport of driver and passengers. In case of breakdown abroad, specific provisions apply (taxi to nearest station, public transport to Netherlands address)

Racing and circuit exclusion

Coverage is excluded if the vehicle participates in speed races, agility tests, or training for these activities. Racing on circuits like the Nürburgring is not covered. Exception: training with certified WRM (road driving instruction) instructor is covered

Alcohol impairment exclusion

Damage is not covered if the driver had more alcohol in blood or breath than legally permitted at time of incident. Applies to all damage types (liability and own damage)

Conflict of laws jurisdiction

Claims must be resolved according to the laws and regulations of the country where damage occurred (Netherlands for Dutch incidents, foreign law for incidents abroad). Covers claims within Europe, Asian Turkey, Morocco, Tunisia; not Russia, Belarus, Iran, Azerbaijan

Damage reporting timeline

Damage must be reported as soon as possible, preferably immediately. Can be reported online via MijnFBTO or via the Mobiel Schademelden app. Late reporting may impact claim acceptance

Policyholder duty of care

Policyholders must cooperate fully with FBTO in damage settlement, take reasonable steps to prevent or minimize damage, and promptly report any material changes in circumstances (moving, selling car, change of main driver, etc.)

Breach of policy conditions exclusion

FBTO can deny claims or terminate coverage if policyholders breach material policy conditions, fail to pay premiums on time, provide false information, or commit fraud

High-value vehicle security requirements

Vehicles with catalogue value over €75,000 and not older than 5 years, or specific models (Toyota RAV4 2019-2022, Toyota C-HR 2019-2023, Kia Sportage 2022+), must meet security requirements. Theft coverage denied if security conditions not met

Gross negligence exclusion

FBTO does not pay if damage results from 'gross negligence' (merkelijke schuld) - serious failure to act or reckless behavior with serious fault by the driver. Example: driving 120 km/h on icy highway with reduced visibility

Vehicle eligibility requirements

Coverage terminates if: vehicle is moved abroad, owner/registration changes, vehicle is converted (e.g., to camper), fuel type changes, license plate changes, main driver changes, or usage changes from private to commercial