Neerlandse Motor third-party liability (Neerlandse Wa)

A 24/7 dedicated Rhion Verzekeringslijn provides accident assistance any time, day or night.

Assistance costs are reimbursed on top of the insured liability sum, not deducted from it.

No excess applies to third-party (WAM) liability claims, including the assistance service.

If a foreign authority demands bail after an insured incident, the insurer advances up to €50,000.

Driver restrictions

Cover does not apply if the vehicle is driven by an unauthorised driver (no valid licence or a driving ban) or by a driver under the influence of alcohol, drugs, nitrous oxide or medication beyond the legal limit, unless the policyholder can show this happened without their knowledge or against their will.

Claim notification deadline

Report damage to your insurance adviser as soon as possible; if notification is so late that the damage or its cause can no longer be properly established, or recovery from another party is limited, the claim can be refused. In specific cases (theft, break-in, vandalism, joyriding, hit-and-run, fraud, embezzlement) you must report to the police immediately and within 14 days at the latest; vehicle theft must also be reported to the Dutch police within 24 hours of returning home.

Bonus-malus rules

A no-claim ladder with 24 steps runs up to an 80% discount from step 20 and above; a claim-free year moves you up one step, while claims move you down according to the no-claim table. Certain causes (fire, theft, natural disasters, glass breakage, hit-and-run by an untraceable third party, vandalism, etc.) do not cause a step reduction, though they still affect claim-free years. Claim-free years and steps are recorded nationally via Roy-data and transferred when switching insurer; repaying a claim within 12 months restores the step held before the claim.

Territorial scope

Cover is limited to the Netherlands and the countries shown on (and not crossed out on) the International Motor Insurance Card (Green Card).