Mintley Motor third-party liability (Autoverzekering Wa)
Underwritten by Allianz Direct Versicherungs-AG, Dutch branch · Netherlands
motor third-party liability insurance from Mintley for the Netherlands market, with online purchase.
Verified Sep 1, 2026 · Terms dated 2025-12Sources
Unique selling points
Zero deductible applies to claims under the WA liability cover and the passenger accident insurance.
The policy can be cancelled on a daily basis with no notice period required.
Sistercar clause covers damage between the policyholder's own vehicles, even if insured with different insurers.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal defence (passive legal protection)
Covered
Includes passive legal protection: the insurer both settles justified third-party claims and defends the policyholder against unfounded claims, limited to the amount stated on the policy schedule.
Green Card (International Motor Insurance Card)
Covered
The policy includes an International Motor Insurance Card (Green Card) giving proof of cover in the countries listed on it; coverage does not apply in countries suspended or crossed out on the card.
Post-accident assistance
Covered
If the vehicle is left undriveable after an accident, the policy covers transport of the vehicle, taxi transport for the occupants and their luggage, or accommodation costs (in the Netherlands or abroad), up to the amount stated on the policy schedule; this is accident-related assistance rather than general breakdown cover.
Driver accident cover (optional passenger/driver accident insurance)
€1M
The WA policy itself excludes injury to the driver; driver accident cover is only available via the optional 'schadeverzekering inzittenden' add-on, covering bodily injury up to €1,000,000 per event. The payout is reduced by 25% if the seatbelt was not worn.
Section: Wat is verzekerd? > Keuze: schadeverzekering Inzittenden
Kies je voor deze dekking, dan vergoeden we ook schade door een ongeval aan de bestuurder en andere inzittenden. De maximale vergoeding voor letselschade is € 1.000.000 per gebeurtenis.
Passenger accident cover (optional passenger/driver accident insurance)
€1M
The WA policy itself does not cover injury to occupants in cases of 'force majeure' (e.g. an animal crossing the road); passenger accident cover is only available via the optional 'schadeverzekering inzittenden' add-on, covering bodily injury and belongings up to €1,000,000 per event, shared among occupants if the total damage exceeds this maximum. The payout is reduced by 25% per occupant if the seatbelt was not worn.
Section: Wat is verzekerd? > Keuze: schadeverzekering Inzittenden
Kies je voor deze dekking, dan vergoeden we ook schade door een ongeval aan de bestuurder en andere inzittenden. De maximale vergoeding voor letselschade is € 1.000.000 per gebeurtenis.
Key conditions
Driver restrictions
The policyholder must have a fixed address and be a resident of the Netherlands and be at least 18 years old. Coverage excludes situations where the driver lacks the legally required driving licence, does not meet legal requirements, or is prohibited from driving by court order, and excludes use of the vehicle for commercial or business purposes (e.g. taxi, rental, Uber, car-sharing, driving school, transport).
Claim notification deadline
The policyholder must notify the insurer immediately in the event of a claim.
Bonus-malus rules
The policy uses a no-claims (schadevrije jaren) scale ranging from -5 to +15 years, verified against the national Roy-data register. Each claim paid by the insurer generally reduces the no-claims years by 5 (except limited-casco damage or recoverable claims), while a claim-free year adds 1 year; a detailed step-down table is included in the terms and conditions.
Territorial scope
Coverage applies in the countries listed on the Green Card (International Motor Insurance Card); there is no coverage in countries that are suspended or crossed out on the card. If the vehicle is transported by ferry, coverage remains valid as long as the departure and destination points are within the countries listed on the Green Card.
Documents
Terms and conditions – Mintley car insurance (version 12-2025) (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document (IPID) (opens in a new tab)
Product information sheet · PDF
Insurance product information card – WA (opens in a new tab)
Product information sheet · PDF
Official product page (opens in a new tab)
Other document · PDF
Policy specifics
Sister car clause
Coverage for damage when one personal vehicle causes damage to another personal vehicle owned by the policyholder
SourceSection: Ik heb 2 auto's. Kan ik onderlinge schade meeverzekeren?
Met de sistercar-clausule van de Mintley autoverzekering ben je verzekerd voor schade als je twee auto's hebt, en de ene auto veroorzaakt schade aan de andere auto.
Business use exclusion
If the vehicle is used for business purposes, leased, or rented, the insurance provides no coverage
SourceInsurers' association documentSection: Wat is niet verzekerd? > Zakelijk gebruik, verhuur of lease
Als je de auto ook zakelijk gebruikt, leaset of verhuurt, dan biedt deze verzekering geen dekking.
Regular secondary user exclusion
If another person regularly uses the vehicle, damage caused by that person is not insured
SourceInsurers' association documentSection: Wat is niet verzekerd? > Andere regelmatige bestuurder
Maakt een andere persoon ook regelmatig gebruik van de auto? Dan is schade die door die persoon is veroorzaakt niet verzekerd
Intentional damage exclusion
Damage caused by intent, drunk or drug-impaired driving, or driving without a valid license are not covered
SourceInsurers' association documentSection: Wat is niet verzekerd?
Bijvoorbeeld als er sprake is van opzet, rijden onder invloed van drank of drugs, of rijden zonder rijbewijs.
No personal advice provided
The contract is concluded without advice and matching documentation; no personal assessment of the policyholder's situation is provided
SourceDe overeenkomst wordt gesloten zonder advies en bijpassende documentatie.
Zero deductible for WA and passenger coverage
For claims under WA (third-party liability) and passenger injury coverage, no deductible applies
SourceSection: Welke soorten eigen risico hebben jullie?
Voor schade die valt onder je WA-verzekering en onder de schadeverzekering inzittenden, hoef je geen bedrag voor eigen risico te betalen.
Sources
Mintley Motor third-party liability