Coöperatie Klaverblad Verzekeringen U.A.
Klaverblad
Klaverblad is a motor third-party liability insurance for the Netherlands market with online purchase and limited assistance availability.
Direct payment
If your damage is covered, Klaverblad assesses the claim and pays out the compensation as quickly as possible; you are informed of the status of your claim by your advisor or by Klaverblad, even when there is no cover.
Geographic scope
Countries listed on the Green Card that are not crossed out
The insurance is valid in all countries listed on the Green Card that have not been crossed out.
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
Bodily injury liability
€6,450,000
Klaverblad covers your liability towards others for personal injury (injury or death) caused with or by your car, up to €6,450,000 per event. A higher amount is paid for damage abroad if required by local law.
Property damage liability
€2,500,000
Klaverblad covers your liability towards others for damage to property (vehicles or belongings) caused with or by your car, up to €2,500,000 per event.
Legal defence / traffic legal assistance
Optional
No limit stated
Only in Verkeersrechtsbijstand
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.
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.
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.
Driver personal accident cover
Optional
No limit stated
Only in Schadeverzekering inzittenden
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.
Passenger personal accident cover
Optional
No limit stated
Only in Schadeverzekering inzittenden
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.
Key conditions
Territorial scope
Coverage applies in the Netherlands and in all other countries listed on the Green Card that are not crossed out; a higher liability amount is paid if required by the law of the country where damage occurs.
Green card rules
The Green Card issued with the policy shows in which countries the insurance is valid and which emergency number to call for roadside assistance abroad; countries crossed out on the card are not covered.
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.
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
SourceCoverage Limits for Liability
Personal injury damages covered up to €6,450,000; Property damage to others covered up to €2,500,000
SourceInsurers' association documentRoadside Assistance
Right to roadside assistance if unable to continue driving after a covered damage event
SourceInsurers' association documentDirect 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
SourceWindow Glass Damage Exclusion
Window/glass damage is not covered under the WA module alone and requires separate optional coverage
SourceMandatory 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
Source