NN Group N.V. (operating as Nationale-Nederlanden)
Nationale-Nederlanden
Nationale-Nederlanden is a motor third-party liability insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
For WA liability claims, NN settles directly with the injured third party or their insurer and may pay compensation or reach a settlement directly with them. For own-damage/glass repairs via the Schadegarant/Glasgarant networks, NN pays the approved repairer directly; the policyholder only pays any applicable deductible.
Geographic scope
Netherlands
Valid in the countries listed on the International Insurance Certificate (Green Card) that are not crossed out.
Unique selling points
- 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.
- A 24/7 Alarmcentrale provides accident and breakdown-related assistance across the entire Green Card coverage area.
Coverage limits
Third-party bodily injury liability
€7,500,000
NN pays up to €7,500,000 per event for bodily injury that the insured driver causes to third parties. If a country covered by the International Insurance Certificate (Green Card) requires a higher statutory minimum, that higher amount applies instead.
Third-party property damage liability
€2,500,000
NN pays up to €2,500,000 per event for damage the insured vehicle causes to another person's car or belongings.
Legal expenses / legal defence (Rechtsbijstand)
Optional
Only in Schade in het verkeer, Contracten over je auto, Strafzaken in het verkeer
Optional Rechtsbijstand module handled by DAS. Legal help for damage disputes arising in traffic and for contract disputes about the car is unlimited; help in traffic-related criminal cases is capped at €25,000 in external costs. DAS's own internal specialists are always unlimited; if you choose your own external lawyer, external costs are capped at €12,500 per event.
International Insurance Certificate (Green Card)
Covered
Every WA policy includes an International Insurance Certificate (formerly the Green Card), proving cover and defining in which countries (those not crossed out on the certificate) the policy is valid.
Accident/breakdown roadside assistance (Alarmcentrale)
Covered
The 24/7 Alarmcentrale provides help if the car cannot be driven due to an accident, fire, theft or another sudden external cause, both in the Netherlands and abroad within Green Card countries: recovery/towing, transport of the car and occupants, up to €80 per occupant (max €400 total) for one hotel night, and reimbursement of 2nd-class train tickets. Assistance for purely mechanical/electronic breakdowns requires the optional Pechhulp Nederland or Pechhulp Europa module.
Driver accident cover (Ongevallen Inzittenden)
€5,000 – €60,000
Only in €5.000 overlijden / €25.000 blijvende invaliditeit, €12.500 overlijden / €40.000 blijvende invaliditeit, €25.000 overlijden / €60.000 blijvende invaliditeit
Damage to the driver personally is never covered under the base WA liability cover. The optional module Ongevallen Inzittenden pays a one-off lump sum for permanent disability or death of the driver (or passengers) after a car accident; you choose one of three insured-sum combinations: €5,000 death / €25,000 disability, €12,500 death / €40,000 disability, or €25,000 death / €60,000 disability.
Passenger accident cover (Ongevallen Inzittenden)
€5,000 – €60,000
Only in €5.000 overlijden / €25.000 blijvende invaliditeit, €12.500 overlijden / €40.000 blijvende invaliditeit, €25.000 overlijden / €60.000 blijvende invaliditeit
The optional module Ongevallen Inzittenden covers passengers on the same basis as the driver: a one-off lump sum for permanent disability or death, chosen from three tiers (€5,000/€25,000, €12,500/€40,000, or €25,000/€60,000 for death/disability respectively).
Key conditions
Territorial scope
The policy covers the countries listed on the International Insurance Certificate (Green Card) that are not crossed out; this coverage area may be adjusted based on advice from the Dutch Bureau of Motor Insurers (Nederlands Bureau der Motorrijtuigverzekeraars).
Green card rules
Policyholders receive an International Insurance Certificate (formerly the Green Card) that serves as proof of insurance abroad; countries crossed out on the certificate are not covered.
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).
Policy specifics
Third-party bodily injury liability
Maximum coverage limit for bodily injury to third parties caused by the insured vehicle
SourceThird-party property damage liability
Maximum coverage limit for property damage to third parties caused by the insured vehicle
SourceInsurers' association documentGeographic coverage area
The territorial scope of the insurance coverage is defined by the International Insurance Certificate (Green Card)
SourceOccupant damage insurance (Schadeverzekering Inzittenden)
Optional module paying up to €1,000,000 per event for injury damage to the driver and passengers and damage to belongings in the car after an accident, regardless of who caused it.
SourceInsurers' association documentClaims settlement method
The insurer settles claims directly with the injured third party rather than reimbursing the policyholder
SourceMandatory motor vehicle liability insurance
This product represents the mandatory third-party liability (WA) insurance legally required for all motor vehicles in the Netherlands under the Motor Vehicle Liability Insurance Act (WAM)
SourceExclusion for unauthorized use
Coverage does not apply when the vehicle is used without valid driving license, under the influence, or for commercial use without authorization
SourceRepair network compliance
For additional coverages like glass claims, using non-approved repair shops may result in additional deductibles
Source