NA
National Academic
National Academic is a motor third-party liability insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
The insurer regulates the liability claim and may pay the third-party claimant directly; the insurer is not bound by any statement on fault or liability that the policyholder made to the other party.
Geographic scope
Europe (excluding Azerbaijan, Russia and Belarus; including Morocco, Tunisia and Turkey)
Cover applies in all countries shown on the green card that are not crossed out, according to the laws of that country.
Unique selling points
- Property damage liability of €2,500,000 per event, nearly double the €1,300,000 Dutch statutory WAM minimum.
- No deductible (eigen risico) applies to the WA liability cover itself.
- Free legal assistance (verhaalservice) included as standard to help recover personal injury damages from an at-fault third party.
- Premiums and eligibility are tailored specifically to higher-educated individuals (HBO/WO/MBO4/VWO/HAVO), a unique positioning versus mainstream insurers.
- 24/7 emergency alarm centre available for accident-related assistance and claims handling.
Coverage limits
Bodily Injury Liability
€6,450,000
Covers bodily injury or death caused to third parties with the insured vehicle, up to €6,450,000 per event.
Property Damage Liability
€2,500,000
Covers damage caused to property or animals of third parties with the insured vehicle, up to €2,500,000 per event, well above the Dutch statutory WAM minimum of €1,300,000.
Legal Defence Against Liability Claims
Covered
The insurer leads and pays for the defence against liability claims made against the insured, including any court-awarded costs; bail (borgkosten) abroad is covered up to €25,000 per event. A separate optional Traffic Legal Assistance (Verkeersrechtsbijstand) rider is available for the policyholder's own disputes.
Green Card (International Motor Insurance Certificate)
Covered
A green card is issued with the policy, valid in all countries shown on the card that are not crossed out.
Post-Accident Recovery Assistance
Covered
Includes transport of the vehicle (and any trailer) to the nearest garage after an accident, in the Netherlands and abroad, and transport of the driver, passengers and luggage if repair is not possible shortly. Full breakdown assistance for mechanical/electronic failure unrelated to an accident requires the optional Pechhulp (breakdown assistance) product.
Driver Accident Insurance (optional)
Optional
Optional add-on that pays a lump sum in case of permanent disability or death of the driver or a passenger resulting from a traffic accident with the insured car; the amount is set on the policy schedule.
Passenger Accident/Damage Insurance (optional)
Optional
Optional Schadeverzekering Inzittenden (SVI) rider covers injury to, and belongings of, occupants of the insured car after a traffic accident, regardless of fault. Belongings are covered up to €2,500 per accident; the personal-injury/death benefit amount is set on the policy schedule, not fixed in the T&Cs.
Key conditions
Territorial scope
Cover applies in the Netherlands and all countries shown on the green card that are not crossed out: Europe excluding Azerbaijan, Russia and Belarus, but including Morocco, Tunisia and Turkey.
Green card rules
A green card (international insurance certificate) is issued with the WA policy; it applies according to the laws of the visited country and does not apply in countries crossed out on the card.
Driver restrictions
No cover if the driver has no valid licence, is legally banned from driving, does not meet the 2toDrive supervised-driving rules, or drives under the influence of alcohol (≥0.5‰ blood alcohol, or ≥0.2‰ for drivers with a licence held under 5 years), drugs, nitrous oxide, or reaction-impairing medication.
Claim notification deadline
Damage must be reported as soon as possible after it occurs, via Mijn NA or by phone to the claims line.
Bonus-malus rules
New policies with zero claim-free years start at 35% discount; discount can rise to a maximum bonus of 75% for claim-free years, or fall to a maximum malus of -40% (a 40% premium surcharge) after claims. Claim-free years are recorded in the shared Roy-data database accessible to all Dutch insurers.
Where to buy
Documents
Car Insurance Specific Terms and Conditions (N25-AUT-01)
Terms & conditions
General Insurance Terms and Conditions (N25-ALG-03)
Terms & conditions
Insurance Product Information Document - Car Insurance WA
IPID
Traffic Legal Assistance Insurance Terms and Conditions (N25-VRB-01)
Terms & conditions
Passenger Accident/Damage Insurance Terms and Conditions (N25-SVI-01)
Terms & conditions
Breakdown Assistance Insurance Terms and Conditions (N25-PHV-01)
Terms & conditions
Car Insurance Product Page
Other document
Policy specifics
Breakdown Assistance
Emergency roadside assistance for mechanical or electronic breakdowns, available as optional module
SourcePassenger Injury Protection
Coverage for bodily injury and personal property damage of vehicle occupants, available as optional module
SourceTraffic Legal Assistance
Legal aid for traffic-related disputes and claims recovery after accidents, available as optional module
SourcePersonal Injury Damages Recovery
Free legal assistance for recovering personal injury damages when policyholder is injured due to third-party fault
SourceNew Value Guarantee
For new vehicles, damage compensation is based on original purchase price (new value) rather than depreciated value
SourceRegistered Vehicle Ownership
Vehicle registration number (kenteken) must be in policyholder's name, partner's name (if cohabiting), or explicitly approved third party
SourceEducation-Based Premium Adjustment
National Academic specializes in higher-educated individuals; premiums adjusted based on educational attainment (HBO/university degree discounts available)
SourceClaims Network Repair Requirement
Damage repairs must be conducted through National Academic's partner repair network to maintain warranty and optimal pricing benefits
SourceCommercial Use Exclusion
Vehicle cannot be used for commercial purposes including courier work, meal delivery, paid passenger transport (Uber, etc.), car rental (Snappcar, WeGo, MyWheels)
SourceRacing and Circuit Activity Exclusion
Coverage does not apply for speed races, circuit training, or track-day activities, including those on public roads used as circuits
SourceClaims-Free Bonus System
Discount percentage increases with each year without claims (up to 75% maximum), and decreases by fixed year amounts per claim
Source