Nationale-Nederlanden Motor third-party liability (Autoverzekering Wa)

No-claims discount can build up to as much as 80% off the premium.

Insuring 2-4 family vehicles in one household gives a 5% discount on the Autoverzekering premium (10% on an added Motorverzekering).

The policy can be taken out fully online without advice and can be cancelled on any day, even during the first contract year.

Repairs and glass damage through the Schadegarant/Glasgarant networks are paid directly to the garage, include a loan car, and carry no deductible for glass repair.

Driver restrictions

Cover is excluded if the driver had no license valid in the Netherlands, was disqualified from driving, drove under the influence of alcohol, drugs or medication to the point of unfitness (or refused a test), or if the car was used as a taxi, driving-school car, for paid goods transport, rented out, or used to transport passengers for payment (carpooling excepted).

Claim notification deadline

Report damage to NN as soon as possible; for criminal acts such as theft, joyriding, burglary or vandalism, or a hit-and-run, you must report to the police immediately. No specific number of days is stated for notifying the insurer.

Bonus-malus rules

A no-claims discount (schadevrije jaren korting) applies only to WA, WA Plus and WA All risk, not to add-on modules; the scale runs from -5 (0% discount) up to 20+ no-claims years (80% discount, with an extra step beyond that with no further discount), based on data from Roy-data, and drops by 5 no-claims years per claim in a year (more for multiple claims).

Territorial scope

Valid in the countries listed on the International Insurance Certificate (Green Card) that are not crossed out.