Ik kies zelf van a.s.r.
Ik kies zelf van a.s.r. is a motor third-party liability insurance for the NL market with online purchase and 24/7 assistance.
Direct payment
ASR assesses and settles third-party liability claims directly with the injured party. ASR may pay third parties directly or reach settlements with them. For roadside assistance and breakdown, the Alarmcentrale (030-6990708) coordinates all services 24/7.
Geographic scope
NL
All countries listed on the International Motor Insurance Certificate (Green Card / Groene Kaart) that are not crossed out.
Unique selling points
- No premium surcharge if the policyholder is on the lowest rung of the no-claim ladder, unlike many competing insurers who charge an additional loading.
- Free pick-up and drop-off service with a loan car provided when repairing at an ASR-selected eco-certified repair shop, included as standard in every WA policy.
- Trailer, caravan, or fold-out caravan is automatically covered for WA liability the moment it is coupled to the insured vehicle, at no extra premium.
- No-blame, no-claim arrangement: damage events caused by a third party do not affect the no-claim discount or claim-free years, even when the claim is filed through ASR.
- 24/7 Alarmcentrale for roadside assistance and breakdown support in the Netherlands and abroad, coordinating towing, transport, and replacement vehicles with a single call.
Coverage limits
Bodily injury liability
Covered
Covers liability for bodily injury and death caused to third parties with or by the insured vehicle, including a coupled or recently uncoupled trailer. Maximum insured amount per event for personal injury is €6,450,000. Legal costs and statutory interest are covered in addition to the maximum sum insured.
Property damage liability
Covered
Covers liability for damage to property of third parties caused with or by the insured vehicle. Maximum insured amount per event for property damage is €2,500,000. Also covers damage caused to other motor vehicles and trailers owned by the policyholder or their own company. Damage to items being loaded or unloaded is not covered.
Legal defence / Legal aid
Optional
Legal aid for motor vehicles is available as an optional add-on coverage. It covers legal assistance for recovering damages suffered in traffic, legal disputes regarding compensation or repair, and criminal proceedings. Costs of procedures and legal assistance requested by ASR are included in the base WA coverage at no extra charge.
International Motor Insurance Certificate (Green Card)
Covered
The policy includes the International Motor Insurance Certificate (Green Card). Coverage is valid in all countries listed on the Green Card that are not crossed out. Where a foreign country's equivalent law has broader provisions than the Dutch WAM, those provisions apply. A bail bond of up to €50,000 can be provided to secure the insured's release or return of their driving licence abroad.
Roadside assistance / Breakdown cover (Pechhulp)
Optional
Breakdown cover (Pechhulp) is only included if stated on the policy schedule. It covers mechanical or electronic failures that prevent the driver from continuing. Includes roadside emergency repair labour, towing to nearest garage, transport of vehicle and occupants to a chosen location in the Netherlands, and rental car for up to 5 days domestically or €100/day (max €1,250/event) abroad. Must be arranged through the Alarmcentrale (030-6990708). The no-claim discount does not apply to the Pechhulp premium.
Driver accident cover
Excluded
Personal injury of the driver and damage to their belongings is explicitly excluded under the base WA coverage (art. 5.15). A separate optional Schade Inzittenden (occupant accident) or Ongevallen Inzittenden add-on is required to cover the driver's own bodily injury.
Passenger accident cover (Schade Inzittenden / Ongevallen Inzittenden)
Optional
Passenger bodily injury and property damage is not covered under the base WA for claims by the insured's own passengers against the insured. An optional Schade Inzittenden (occupant damage) or Ongevallen Inzittenden (occupant accident) add-on is available. Schade Inzittenden covers material and bodily injury up to €1,000,000 per event. Hand luggage and clothing worn by passengers is covered under WA for third-party claims.
Key conditions
territorial_scope
Coverage applies in all countries listed on the International Motor Insurance Certificate (Green Card / Groene Kaart) that are not crossed out. Where the applicable foreign law (equivalent to the Dutch WAM) has broader provisions, those provisions also apply to this policy.
green_card_rules
A Green Card (International Motor Insurance Certificate) is issued free of charge with the policy and is required for travel in countries where it is compulsory. Coverage is only valid in countries listed on the card and not crossed out. A bail bond of up to €50,000 may be provided by ASR to secure the insured's release, return of driving licence, or lifting of seizure of the vehicle in a foreign country; this amount must be repaid as soon as it is released.
driver_restrictions
The driver must hold a valid driving licence for the vehicle category at the time of the incident. Exceptions apply if the licence expired no more than 1 year ago, if the driver recently passed their test but has not yet received the licence, if driving under supervised conditions, if the licence was stolen or lost, or if the policyholder can prove they had no knowledge of the situation. Coverage is excluded when the driver is under the influence of alcohol above legal limits (0.5‰ for licence holders >5 years; 0.2‰ for newer drivers), medication, or drugs. Refusing a breath or blood test also results in exclusion.
claim_notification_deadline
Damage must be reported as soon as the policyholder becomes aware of it. Claims reported after 36 months receive no compensation. For third-party liability claims made against the insured within the statutory limitation period, the insured has 36 months to file a claim with ASR. Disputes against ASR's final decision must also be raised within 36 months of receiving the decision.
bonus_malus_rules
ASR uses a 31-step no-claim ladder. Policyholders start at step 5 with 0 claim-free years (50% discount). The maximum discount of 75% is reached from step 21 onwards. After reaching step 31 (maximum), up to 5 extra steps can be accumulated. Following a recoverable claim, the policyholder drops 5 steps. Certain events do not affect the ladder: assistance, breakdown, pick-up/drop-off service, glass damage, theft, storm damage when fully recovered from third party, or accidents where the driver/passenger is blameless. Claim-free year data is tracked via the national Roy-data system.
Documents
Voorwaarden Autoverzekering Wettelijke Aansprakelijkheid (WA) – D AU-WA 2015-01
terms_and_conditions
Voorwaarden Autoverzekering Casco Beperkt – ASR
terms_and_conditions
Voorwaarden Autoverzekering Casco Allrisk – ASR
terms_and_conditions
Verzekeringskaart a.s.r. IKZ Auto Wettelijke Aansprakelijkheid (IPID)
ipid
Policy specifics
Pick-up and drop-off service
Pick-up and drop-off service when repairing at ASR selected repair shops
Trailer WA coverage
Trailer, caravan or fold-out caravan automatically covered for WA when attached to the vehicle
No-blame, no-claim arrangement
Retain no-claim discount when damage is not the driver or passenger's fault
No-claim discount ladder
31-step no-claim ladder with maximum 75% discount from step 21 onwards, up to 5 additional steps after maximum
Optional additional coverages
Roadside assistance, occupant damage, legal aid, and extras coverage for items over €1,000 with max €500 for audio/navigation/image equipment
Multiple vehicle discount
10% premium discount on all insured vehicles when insuring multiple cars with same policyholder
Repair network
Schadegarant and Glasgarant repair networks with sustainable/eco-certified repair partners
New value coverage
First owner of new car receives new value settlement first year, extendable to 2 or 3 years
Deductible options
Choice of deductible: €0, €150, €250, or €500
Vehicle security requirement
Vehicle must be adequately secured against joy-riding and theft
Registration in insured's name
Vehicle registration number must be registered in the policyholder's name unless ASR has explicitly agreed otherwise
Usage restrictions
No coverage for damage during rental, lease, or commercial use of vehicle
Intoxication exclusion
No coverage for damage caused by improper use of alcohol, medication, drugs or other substances affecting driving ability