Nationale-Nederlanden
Nationale-Nederlanden is a motor third-party liability insurance for the NL market with online purchase and 24/7 assistance.
Direct payment
For third-party bodily injury and property damage claims under WA, NN pays the counterparty directly and may settle with them without the policyholder's prior consent. Damage to insured's own vehicle is not covered under the WA tier.
Geographic scope
NL
Alle landen die op het Internationaal Verzekeringsbewijs staan en die niet zijn doorgestreept; dekkingsgebied kan worden aangepast op advies van het Nederlands Bureau Motorrijtuigverzekeraars
Unique selling points
- No-claim discount of up to 80% — among the highest available in the Dutch market — accumulated through claim-free years on the bonus-malus ladder.
- 24/7 Alarm Centre included as standard across all cover tiers, providing roadside rescue and occupant transport both in the Netherlands and abroad at no extra cost.
- Zero deductible for vehicle damage repairs and windscreen repairs when using the approved Schadegarant and Glasgarant repair networks, with direct payment to the repairer.
- Satisfaction guarantee on claims handling: if the policyholder is dissatisfied with the claims settlement, four monthly premiums are refunded.
- Optional EV Battery Assurance (EV Accu Zekerheid) module covers repair or replacement of the electric battery if capacity falls below 70% due to a defect — a coverage typically charged as a separate product.
Coverage limits
Bodily injury liability
Covered
Covers bodily injury caused to third parties with or by the insured vehicle, including personal injury and death. Maximum EUR 7,500,000 per event; if a country requires a higher statutory minimum, that higher amount applies.
Property damage liability
Covered
Covers damage caused to third-party vehicles and property with or by the insured vehicle. Maximum EUR 2,500,000 per event; if a country requires a higher statutory minimum, that higher amount applies.
Legal assistance (Rechtsbijstand)
Optional
Optional module providing legal assistance for traffic-related disputes, criminal prosecution for traffic offences, and disputes over car contracts. Provided by DAS. Internal DAS lawyer costs are unlimited; external costs for traffic damage and car contract disputes are unlimited; criminal traffic cases capped at EUR 25,000 external costs. Available as an add-on module.
International insurance certificate (Green Card)
Covered
An International Insurance Certificate (formerly Green Card) is issued with every policy and is available digitally via mijn.nn or the NN App. It is valid in all countries listed on the certificate that are not crossed out. The coverage territory may be adjusted on advice of the Dutch Motor Insurers Bureau.
Roadside assistance / Alarm Centre
Covered
Standard roadside and accident assistance is included across all tiers (WA, WA Plus, WA All risk). The 24/7 Alarm Centre (+31 26 400 23 90) arranges recovery of the vehicle and transport of occupants in case of accident, fire, theft or other sudden peril in the Netherlands and abroad (countries on the International Insurance Certificate). Mechanical breakdown assistance (pechhulp) in the Netherlands or Europe requires the optional Pechhulp Nederland or Pechhulp Europa module.
Driver accident cover
Excluded
Bodily injury to the driver of the insured vehicle is explicitly excluded under the WA liability cover. The driver may be covered by adding the optional Schade Inzittenden module (up to EUR 1,000,000 per event).
Passenger accident cover (Schade Inzittenden)
Optional
Optional module covering personal injury, death and property damage to the driver and passengers (occupants) of the insured vehicle resulting from a traffic accident, regardless of fault. Maximum payout EUR 1,000,000 per event shared among all occupants. Available as an add-on module.
Key conditions
territorial_scope
Coverage applies in all countries listed on the International Insurance Certificate (formerly Green Card) that are not crossed out. The coverage territory may be adjusted on the advice of the Dutch Motor Insurers Bureau (Nederlands Bureau Motorrijtuigverzekeraars). For the Rechtsbijstand module, some conflict types are only covered in the Netherlands.
green_card_rules
An International Insurance Certificate is issued with every policy and is available digitally via mijn.nn or the NN App. It can be printed or stored digitally on a mobile device. The policyholder should verify before travel whether a paper version is mandatory in the countries visited.
driver_restrictions
The vehicle must be driven by a licensed driver with a Dutch-valid driving licence. Cover is excluded if the driver had no valid licence, was disqualified, was under 18 without a supervising coach, or was driving under the influence of alcohol, drugs, nitrous oxide or medication to a degree that a driving ban was (or would have been) imposed. An expired licence is not excluded if the driver was under 76 years old.
claim_notification_deadline
Damage must be reported to NN as soon as possible. For criminal offences such as theft, joyriding, break-in or vandalism, or when the vehicle was struck by an unknown driver, a police report must be filed immediately. Failure to report in time and resulting prejudice to NN may result in partial or full denial of the claim.
bonus_malus_rules
A no-claim discount of up to 80% is accumulated through claim-free years (schadevrije jaren), tracked in the central Roy-data database. Each claim-free year advances one step on the 26-step bonus-malus ladder. Each claim reduces the tally by 5 claim-free years (or to -5 for four or more claims in one year). Policyholders with 20 or more claim-free years who suffer a paid claim fall back to 10 claim-free years. The no-claim discount does not apply to optional add-on modules. Claim-free years remain valid for 4 years after policy cancellation.
Where to buy
Documents
Policy specifics
No-claim discount
Customers can accumulate no-claim discount of up to 80% by maintaining claim-free years
New value guarantee
For WA Plus and WA All risk coverage, new or purchase value guarantee applies for 24 months
Accessories coverage
Standard accessories coverage up to EUR 2,500 per event; optional extension available to EUR 10,000
Voluntary deductible
WA Plus and WA All risk allow voluntary self-selected deductible; additional mandatory deductibles apply for non-network repairs
Breakdown assistance
Optional breakdown assistance module available with coverage in Netherlands or Europe
Occupants damage coverage
Optional additional coverage for passenger and driver injury and damage claims up to EUR 1,000,000 per event
Legal assistance
Optional legal assistance module covering disputes after traffic accident and legal proceedings costs
EV battery coverage
Optional module covering costs of electric vehicle battery repair or replacement if capacity drops below 70% due to defect
Vehicle registration requirement
Vehicle must be registered with Dutch license plate (Nederlands kenteken)
Security class requirements
Certain vehicles must meet specific security class standards to be insured against theft or break-in
Repair network selection
Customers may select from approved repair network or choose alternative repair with additional deductible
Automatic annual renewal
Policy automatically renews for 1-year terms unless cancelled by either party