N.V. Noordhollandsche van 1816, Schadeverzekeringsmaatschappij (trading as Nh1816 Verzekeringen)
Nh1816
Nh1816 is a motor third-party liability insurance for the Netherlands market with no online purchase and limited assistance availability.
Direct payment
NH1816 determines the amount of the damage caused and has the right to settle claims directly with the injured third party; the decisions it makes in doing so are binding.
Geographic scope
Netherlands
Europe and the countries around the Mediterranean Sea
Unique selling points
- No-claim discount of up to 80% for accident-free driving, with protection against loss of this discount.
- Extra discount when insuring a second car.
- Property damage liability insured up to €2,500,000 per event, well above the EU-mandated minimum of €1,300,000.
- Insurance certificate available 24/7, online and offline, via the NH1816 VerzekeringApp.
- Repeatedly recognized as the Best Non-Life Insurer of the Netherlands by insurance advisors.
Coverage limits
Bodily Injury Liability
Covered
The maximum insured amount for bodily injury liability per event (for all insureds combined) is stated on the policy schedule; if the loss occurs in a country with an equivalent law prescribing a higher amount, that higher amount applies.
Property Damage Liability
€2,500,000
NH1816 insures property damage liability up to €2,500,000 per event, above the EU-mandated minimum of €1,300,000; the exact combined maximum for all insureds is stated on the policy schedule.
Legal Defence Costs
Covered
NH1816 covers legal defence costs if an insured is criminally prosecuted and NH1816 arranges a lawyer, plus defence and litigation costs if NH1816 leads the proceedings, and statutory interest up to the insured amount; fines, settlements and court costs are excluded.
Territorial Coverage (Green Card area)
Covered
The policy is valid in Europe and the countries around the Mediterranean Sea.
Roadside Assistance After an Accident
Covered
If the car is damaged in a collision or the driver is injured and unable to continue driving, NH1816 covers recovery, towing, transport and taxi costs once the NH1816 Hulpdienst has been engaged; this excludes the separate optional breakdown assistance (Pechhulp) for mechanical failure.
Driver Accident Cover
Excluded
Damage or injury to the driver themselves is explicitly excluded from this liability policy.
Passenger Accident Cover (SVI)
Optional
Passenger accident cover is not part of this WA liability policy but can be purchased alongside it as a separate Schadeverzekering voor Inzittenden (SVI).
Key conditions
Territorial scope
Covered in Europe and the countries around the Mediterranean Sea.
Green card rules
If the loss occurs in a country within the coverage area that has a law equivalent to the WAM prescribing a higher insured amount, that higher amount applies instead.
Driver restrictions
Cover is excluded if the driver caused the loss while driving without a valid licence, or while unfit to drive due to alcohol (blood alcohol ≥0.5‰, or ≥0.2‰ for drivers licensed under 5 years), drugs or medicines, or if the driver refuses a police breath, blood or urine test.
Claim notification deadline
Claims must be reported to your insurance advisor as soon as possible; theft, embezzlement or joyriding of a registered vehicle must be reported immediately by phone to the Aangifteloket Gestolen Voertuigen (AGV).
Bonus-malus rules
Policyholders earn a no-claim discount of up to 80% for each claim-free year; filing a claim can (partly) reduce or forfeit this discount, or a surcharge may apply.
Policy specifics
Third Party Liability (WA - Wettelijke Aansprakelijkheid)
Coverage for damages to third parties caused by or with the insured vehicle, including personal injury and property damage
SourceInsurers' association documentNo Deductible on WA Coverage
The WA (third party liability) coverage operates without a standard deductible
SourceInsurers' association documentEuropean and Mediterranean Coverage
Insurance valid in Europe and countries around the Mediterranean Sea
SourceInsurers' association documentWAM Compliance
Insurance complies with Motor Vehicle Liability Insurance Act (WAM - Wet Aansprakelijkheidsverzekering Motorrijtuigen)
SourceClaims Notification Obligation
Policyholder must report claims as soon as possible and provide truthful information during claim handling
SourceInsurers' association documentDuty to Minimize Damage
Policyholder must take all possible measures to prevent and limit damage
SourceInsurers' association documentNo Claims Bonus Discount
Policyholders receive premium discount for claims-free driving periods, up to 80% maximum
SourcePremium Payment Frequency
Premiums can be paid monthly, quarterly, semi-annually, or annually
SourceInsurers' association document