OHRA (brand of Nationale-Nederlanden Schadeverzekering Maatschappij N.V. / OHRA Zorgverzekeringen N.V.)

Territorial scope

The policy is valid in the countries shown on the Internationaal Verzekeringsbewijs. A gelijkwaardige vervangende auto used while the insured car is being repaired, serviced or overhauled at a recognised garage is automatically covered under the same modules as the insured's own car.

Green card rules

A country that is crossed out on the Internationaal Verzekeringsbewijs is not covered. Where the law of a covered country sets a higher minimum liability amount than the amount stated on the Dutch policy, the higher statutory amount applies automatically; for the Rechtsbijstand Motorrijtuig module, some dispute categories are only covered within the Netherlands.

Driver restrictions

There is no cover if the driver did not hold a driving licence valid in the Netherlands, was disqualified from driving, or failed to meet special conditions on the licence — unless the licence was invalid only because its validity term had expired and the driver was under 76 years old. Cover is also excluded if the driver was so under the influence of alcohol, drugs or medication that a driving ban was (or would have been) imposed, unless the policyholder was unaware of these circumstances or they arose against the policyholder's will.

Claim notification deadline

Claims must be reported as soon as possible, via Mijn OHRA, the Mobielschademelden.nl app, a completed European Accident Statement sent by post, or by phone; the policy wording does not set a fixed number of days for this initial report. Separately, changes affecting risk or cover (e.g. loss of interest in the car, change of regular driver, address change) must be reported immediately, within 30 days, or within 2 months depending on the type of change.

Bonus-malus rules

The no-claim discount and build-up/reduction of claim-free years applies only to the Wettelijke Aansprakelijkheid and Aanrijding cover. It ranges from 0% (0 claim-free years, no-claim step 6) up to a maximum of 82% (15 or more claim-free years, no-claim step 21), and is recalculated each policy year: a year without a paid claim raises the level by one step; one or more paid claims lower it by one or more steps, with four or more claims in a year always resetting the policyholder to the lowest step (-5 claim-free years, 0% discount).

OHRA Repair Service Network

OHRA operates a network of selected repair shops where policyholders can get repairs done with specific advantages

Replacement Vehicle

Provision of replacement vehicle during repair period or after total loss

Glass/Window Damage Coverage

Coverage for windshield and window damage with specific conditions by coverage type

Accessories Coverage

Coverage for vehicle accessories with limits by package type

Breakdown Assistance

Roadside assistance for mechanical or electronic failures

Passenger Accident Coverage

Optional coverage for passenger death and permanent disability from accidents

New Value Regulation

Option to receive new vehicle value instead of depreciated value for total loss

Repair Shop Choice Condition

Policyholders can choose between OHRA repair network or independent repair shop

Deductible Options

Policyholders can select deductible amounts for WA Plus and All-Risk coverage

Vehicle Age Restriction for All-Risk

All-Risk coverage is typically available only for vehicles up to 8 years old

Direct Claims Settlement

OHRA pays repair costs directly to repair shop for approved repairs