Extracted from source documents

Klaverblad Motor third-party liability (Autoverzekering Module Wa)

Underwritten by Klaverblad Verzekeringen · Netherlands

motor third-party liability insurance from Klaverblad for the Netherlands market, with online purchase.

Verified Sep 1, 2026 · Terms dated 2024-04Sources

Online purchase

Unique selling points

No-claim discount builds up to a maximum of 80% off your premium for every claim-free year.

Roadside assistance after an accident is included as standard in the WA module, both in the Netherlands and abroad, covering vehicle recovery and taxi/train costs.

Direct Claims Settlement (DSA) lets you report and settle material-damage claims immediately when the other Dutch-registered party is liable.

Klaverblad can advance foreign liability bail bonds interest-free up to €100,000 if a foreign authority demands a security deposit.

The policy is fully modular: combine the mandatory WA cover with Casco, Traffic Legal Assistance, or Passenger Accident cover exactly as needed.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

€6.5M

Optional · Verkeersrechtsbijstand

Legal defence / traffic legal assistance

Optional

No limit stated

Legal defence is not part of the base WA module. It can be added as the optional module Verkeersrechtsbijstand, which provides legal help through the Klaverblad Rechtsbijstand Stichting up to a 'Verzekerd bedrag Hoog' or 'Verzekerd bedrag Laag' shown on the policy schedule; the exact amounts are not disclosed in the general policy text.

Clause 2.25Page 31

Section: Module Verkeersrechtsbijstand > 2.25 Wat is verzekerd op de module Verkeersrechtsbijstand?

U bent verzekerd voor rechtshulp door de Klaverblad Rechtsbijstand Stichting. Dit is een onafhankelijke organisatie die speciaal hiervoor is opgericht.

Covered

Green Card coverage

Covered

With your policy you receive a Green Card. The insurance is valid in all countries listed on the Green Card that have not been crossed out; the Green Card also states which telephone number to call abroad for assistance.

Page 3

Section: Waar ben ik gedekt?

Bij uw polis krijgt u een Groene kaart. Deze verzekering geldt in alle landen die op de Groene kaart staan en niet zijn doorgehaald.

Covered

Roadside assistance after an accident

Covered

No limit stated

If you can no longer drive after a covered accident, you are entitled to help: in the Netherlands your car is towed to a repair shop and passengers are taken by taxi to a Dutch address; abroad the car is taken to a repair shop, and if repairs take longer than 4 working days the car and passengers are brought to the Netherlands, with 2nd class train and taxi costs reimbursed. No specific euro cap is stated for this base benefit; a separate €150 cap applies only to extra roadside help costs for holders of a full casco policy.

Clause 2.10Page 25

Section: Module WA > 2.10 Hulp

Als u na een schade niet meer verder kunt rijden, dan heeft u recht op hulp. Dat is zo als u of een passagier niet meer kan rijden of als de auto of de aanhanger niet meer kan rijden.

Optional · Schadeverzekering inzittenden

Driver personal accident cover

Optional

No limit stated

Personal injury to the driver is explicitly excluded from the WA module. It can be insured via the optional module Schadeverzekering inzittenden (SVI), which covers the driver's property and personal injury from a traffic accident up to the amount shown on the policy schedule; the exact sum insured is not stated in the general policy text.

Clause 2.11Page 26

Section: Module WA > 2.11 Uitsluitingen module WA

Personenschade van de bestuurder van uw auto.

Optional · Schadeverzekering inzittenden

Passenger personal accident cover

Optional

No limit stated

Passenger accident cover is not part of the base WA module. It can be added via the optional module Schadeverzekering inzittenden (SVI), covering property and personal injury of passengers from a traffic accident up to the amount shown on the policy schedule, reduced by 25% if the passenger was not wearing a seatbelt.

Clause 2.35Page 35

Section: Module Schadeverzekering inzittenden > 2.35 Verzekerd bedrag en verzekerde kosten

Als u tijdens het verkeersongeluk geen veiligheidsgordel droeg en het letsel is hierdoor ontstaan of erger geworden, dan vergoeden we 25% minder.

Key conditions

Driver restrictions

No cover applies if the driver has no valid licence, has a driving ban, drove under the influence of alcohol/drugs above the legal limit or medication affecting driving ability, refused a breath/saliva/urine/blood test, displayed dangerous driving behaviour, or took part in speed races or contests.

Claim notification deadline

Report damage as soon as possible; if you report the claim more than 3 years after the event, Klaverblad will no longer process the claim.

Bonus-malus rules

Premium and no-claim discount are based on a no-claim scale ranging from 0% to a maximum of 80% discount; a claim-free year moves you up the scale, while claims cause you to drop back a number of steps depending on the number of claims in that year.

Territorial scope

The insurance is valid in all countries listed on the Green Card that have not been crossed out.

Documents

Klaverblad Autoverzekering Policy Conditions AU24 (opens in a new tab)

Terms & conditions · PDF

IPID Autoverzekering WA (opens in a new tab)

Product information sheet · PDF

Policy specifics

Green Card Coverage

Insurance is valid in all countries listed on the Green Card that have not been crossed out; international coverage based on Green Card validity

SourcePage 3

Section: Waar ben ik gedekt?

Bij uw polis krijgt u een Groene kaart. Deze verzekering geldt in alle landen die op de Groene kaart staan en niet zijn doorgehaald.

Coverage Limits for Liability

Personal injury damages covered up to €6,450,000; Property damage to others covered up to €2,500,000

SourceInsurers' association document

Section: Wat is verzekerd? > Aansprakelijkheid (WA)

Schade aan personen is verzekerd tot € 6.450.000,-. Schade aan zaken van anderen tot € 2.500.000,-.

Roadside Assistance

Right to roadside assistance if unable to continue driving after a covered damage event

SourceInsurers' association document

Section: Wat is verzekerd? > Hulpverlening na een ongeval

Als u na een schade niet meer verder kunt rijden, dan heeft u recht op hulp.

Direct Damage Handling (DSA)

Service allowing direct claim reporting to Klaverblad when third party is partially or fully liable and only material damage occurred; requires Dutch license plates for both vehicles

Source

Section: Veelgestelde vragen over een autoverzekering > Over schadeafhandeling

Als de bestuurder van het andere voertuig geheel of gedeeltelijk aansprakelijk is, beide auto’s een Nederlands kenteken hebben en er alleen sprake is van materiële schade, dan kunt u gebruikmaken van Directe Schadeafhandeling. Met deze service kunt u de schade gewoon bij ons melden en hoeft u niet zelf naar de verzekeraar van de tegenpartij.

Window Glass Damage Exclusion

Window/glass damage is not covered under the WA module alone and requires separate optional coverage

SourcePage 2

Section: Wat is niet verzekerd? > Ruitschade

Ruitschade is niet verzekerd op de module WA. Deze schade is verzekerd op de module beperkt of volledig casco.

Mandatory Information Disclosure at Application and Claims

Policyholder must answer all insurer questions accurately and truthfully at application and when filing claims; failure to disclose may result in denial of coverage

SourcePage 3

Section: Wat zijn mijn verplichtingen?

Als u de verzekering aanvraagt of als u schade heeft moet u onze vragen eerlijk beantwoorden.

Sources

Klaverblad Motor third-party liability

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