HEMA Financial Services B.V. (trading as HEMA Verzekeringen / verzekerdbijHEMA.nl)

Territorial scope

The car is insured throughout Europe, in all countries bordering the Mediterranean Sea, and in any other country shown on the Green Card that has not been crossed out; the vehicle is also covered while being transported between those countries.

Green card rules

Policyholders can print their own Green Card from the online policy portal; the vehicle is only covered in the countries printed on that card that have not been crossed out.

Driver restrictions

There is no cover if the driver was not legally allowed to drive (e.g. no valid licence, other than an expired licence for a driver under 70), or if the driver had more alcohol, drugs or medication in their system than legally permitted and this affected their ability to drive safely.

Claim notification deadline

A claim must be reported within 3 years after the policyholder became aware of the loss, otherwise no payment is made; if a claim is rejected in whole or in part, the policyholder has 1 year from the rejection notice to go to court.

Bonus-malus rules

Premium is set on a 20-step bonus-malus scale based on claim-free years recorded in the national Roy Data register; a claim-free year moves the policyholder up a step (lower premium), while one or more reported claims move them down several steps (higher premium), with a starting step of 7, 6 or 5 depending on the policyholder's age if no claim-free years are on record.

Third-party liability coverage limits

Mandatory WA coverage with maximum limits of EUR 6.1 million for personal injury and EUR 2.5 million for property damage

Own risk / Deductible

For Beperkt Casco (Limited Casco) coverage, own risk of EUR 135 when using HEMA repair network, or EUR 300 when using own chosen repairer

Replacement vehicle provision

Replacement vehicle provided at no cost when car is being repaired at HEMA-affiliated repair workshop

Occupant injury coverage (optional add-on)

Optional coverage for personal injury and property damage to car occupants in event of traffic accident with the insured vehicle, regardless of fault

Windscreen and glass damage coverage

Windscreen damage (stars and cracks) covered under Beperkt Casco and Allrisk coverage

Fire and natural hazard coverage

Coverage for vehicle damage caused by fire, storm, hail, and natural disasters included in both Beperkt Casco and Allrisk

Theft coverage

Coverage for vehicle theft and parts theft included in both Beperkt Casco and Allrisk policies

Collision damage (Allrisk only)

Coverage for damage caused by collision with another vehicle or object included only in Allrisk/Volledig Casco coverage, not in Beperkt Casco

HEMA Repair Network requirement

For Beperkt Casco and Allrisk coverage, lower own risk (EUR 135) applies only when using HEMA-affiliated repair shops; higher own risk (EUR 300) if using independent repairer

Daily cancellation right

Policy can be cancelled on any day via online policy portal (polismap); no fixed minimum policy term required

Online-only policy administration

All policy management performed online through personal polismap portal; no paper policy documents issued; digital-only service model

Geographic coverage area

Vehicle insured in entire Europe, all countries bordering Mediterranean Sea, and all countries on the Green Card list

No-claims protection (optional)

Optional coverage protecting claim-free discount; allows one claim per year without loss of accumulated bonus-malus status; loss of protected claim-free years equals claim usage

Optional roadside assistance (Pechhulp Nederland)

Optional roadside assistance add-on via partner Pechhulp Nederland; customer can opt in or out; covers breakdown assistance and emergency services

Optional legal assistance (Autorechtsbijstand)

Optional motor legal protection add-on covering legal disputes arising from vehicle accidents and insurance claims