Reviewed from source documents

De Goudse Verzekeringen (Goudse Schadeverzekeringen N.V. / Goudse Levensverzekeringen N.V.)

Name: De Goudse Verzekeringen (Goudse Schadeverzekeringen N.V. / Goudse Levensverzekeringen N.V.) Motor third-party liability
Brand: De Goudse Verzekeringen (Goudse Schadeverzekeringen N.V. / Goudse Levensverzekeringen N.V.)
SKU: netherlands-mtpl-goudse

De Goudse

De Goudse is a motor third-party liability insurance for the Netherlands market with no online purchase and limited assistance availability.

Last verified Sep 1, 2026Reviewed by: Boleron EUUnderwritten by: Goudse Schadeverzekeringen N.V.

Direct payment

According to Goudse's Insurance Product Information Document (IPID) for the WA + (Beperkt/Volledig) Casco motor insurance, the policyholder has a free choice of which repair company carries out the repair. If the repair is carried out by one of Goudse's selected repair companies ("geselecteerd herstelbedrijf"), the policyholder pays no or a reduced deductible and the repair costs are settled directly between Goudse and that repair company (as also confirmed for windscreen repairs via Glasgarant-affiliated shops, which 'settle the claim directly with De Goudse Insurance'). If the policyholder chooses a non-selected repair company, a higher deductible (€500) applies and the reimbursement of repair costs is paid out to the policyholder, who is then responsible for paying the garage. The IPID does not describe a direct-payment arrangement for third-party (WA liability) claims to hospitals or other providers, since MTPL is a property/vehicle damage product, not health insurance.

Geographic scope

Netherlands

Coverage is valid in the countries listed on the International Motor Insurance Certificate (Green Card) that are not crossed out.

Unique selling points

If a claim touches more than one Goudse policy, only the highest applicable deductible is charged instead of the deductible for each policy separately.
New policyholders start with 6 'instaptreden' on the no-claim ladder, giving an immediate 40% discount on the premium.
If you already insure a car or motorcycle with Goudse, a second insured vehicle gets the same no-claim discount as the first, subject to conditions.
Combining policies in the Privé Pakket Online earns up to 10% package discount, with no surcharge for monthly/quarterly/semi-annual payments and no policy fees.
Combining two or more base policies in the Privé Pakket Online provides a free accident death benefit for surviving dependants at no extra cost.

Coverage limits

Bodily Injury Liability

€6,450,000

The WA (legal liability) insurance covers bodily injury caused to third parties up to a maximum of €6,450,000 per event.

SourceInsurers' association document

Property Damage Liability

€2,500,000

The WA insurance covers damage to third-party property/goods up to a maximum of €2,500,000 per event.

SourceInsurers' association document

Legal Defence (Motor Vehicles)

Optional

Legal defence for motor vehicle disputes is not included in the base WA policy but can be added as a supplementary cover (Rechtsbijstand Motorrijtuigen); no specific insured amount is stated.

Source

Green Card (International Motor Insurance Certificate)

Covered

The policy is valid abroad in the countries listed on the International Motor Insurance Certificate (Green Card) that are not crossed out; no separate monetary limit applies.

Source

Accident Recovery & Transport (not breakdown assistance)

Covered

If the car (and any attached trailer) is disabled by an accident, fire or other external cause -- explicitly not breakdown -- De Goudse Alarmcentrale Verkeer arranges transport of driver and passengers and recovery/transport of the damaged vehicle; abroad the vehicle is towed to the nearest garage.

SourceInsurers' association document

Driver Accident Cover

Optional

Accident cover for the driver is not included in the base WA policy but can be added via the supplementary 'Ongevallen inzittenden' (occupant accident) cover; no amount is stated for the WA product.

Source

Passenger Accident Cover

Optional

Accident cover for passengers is not included in the base WA policy but can be added via the supplementary 'Ongevallen inzittenden' cover; no amount is stated for the WA product.

Source

Key conditions

Territorial scope

Valid in the Netherlands and in the countries listed on the Green Card that are not crossed out.

Green card rules

The Green Card (International Motor Insurance Certificate) is issued with the policy and shows in which countries the WA cover applies; countries that are crossed out are not covered.

Driver restrictions

Premium is rated by driver age band (17-24, 25-34, 35-44, 45-54, 55-64, 65-74, 75+); no absolute exclusion is stated in the reviewed sources.

Bonus-malus rules

If you already insure a car or motorcycle with Goudse, the second vehicle to be insured receives the same no-claim discount as the first car/motorcycle, provided certain conditions are met.