Extracted from source documents

Unigarant Motor third-party liability (Autoverzekering Wa Ugg)

Underwritten by Unigarant N.V. · Netherlands

motor third-party liability insurance from Unigarant for the Netherlands market, with online purchase.

Verified Sep 1, 2026 · Terms dated 2023-05Sources

Online purchase

Unique selling points

Backed by ANWB, the Dutch motoring association.

No-claim discount can build up to a maximum of 80% off the premium via the 21-step Bonus/Malus scale.

14-day cooling-off period after receiving the policy schedule, with no cancellation costs and no premium owed if the policyholder changes their mind.

Optional traffic legal assistance rider handled by ANWB Rechtsbijstand covers legal costs up to €50,000 per claim.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

Covered

Optional

Traffic legal assistance (Verkeersrechtsbijstand)

€50K

Optional rider handled by ANWB Rechtsbijstand, covering legal costs up to €50,000 per event in total (€37,500 per event for a group action); if the policyholder chooses their own lawyer instead of the ANWB lawyer, the lawyer's fee and office costs are capped at €5,000 per event.

Clause 34Page 21

Section: Bijzondere voorwaarden > 34. Verkeersrechtsbijstand > Kostenmaximum

Per schadegebeurtenis vergoeden wij in totaal nooit meer dan € 50.000,-. Bij een groepsactie per schadegebeurtenis maximaal € 37.500,-.

Covered

Green Card territorial cover

Covered

Cover (other than the Replacement Transport add-on) applies in the Netherlands, all European Green Card countries except any that are crossed out on the card, and all non-European Green Card countries except any crossed out; the Green Card evidences this international liability cover.

Clause 19Page 6

Section: Algemene voorwaarden > 19. In welke landen bent u verzekerd?

Alle Europese landen op de groene kaart, behalve de landen die zijn doorgehaald.

Covered

Right to assistance after an accident or theft

Covered

If the car can no longer be driven due to an accident, or the policyholder cannot continue driving after an accident or theft, Unigarant covers transport of the car and driver within the Netherlands, the necessary cost of towing the car to the nearest garage abroad, transport of the car to a Dutch destination if repair abroad is not possible within four working days or transport is cheaper than the car's value, and 2nd-class public transport costs for the return trip to the Netherlands. No fixed monetary cap is stated for these costs.

Clause 21Page 7

Section: Algemene voorwaarden > 21. Welk recht op hulpverlening heeft u?

Vergoeding van de noodzakelijke kosten van vervoer van de auto naar de dichtstbijzijnde garage.

Excluded

Injury to the driver under third-party liability

Excluded

The mandatory liability cover explicitly excludes damage to the driver and to the belongings of the driver, owner and registered keeper. Injury to the driver themselves is instead covered, if selected, under the optional Occupant Accident (Ongevallen Inzittenden) and Occupant Security (Zekerheid voor inzittenden) riders.

Clause 28Page 11

Section: Bijzondere voorwaarden > 28. Wettelijke Aansprakelijkheid

Niet verzekerd is schade aan: - De bestuurder en aan de bezittingen van de bestuurder, eigenaar en kentekenhouder.

Optional

Occupant Accident cover (Ongevallen Inzittenden)

€5K – €45K

Optional rider paying, per deceased occupant, €5,000 under the 'standaard' tier or €10,000 under the 'uitgebreid' tier, and for permanent disability up to €20,000 per event under 'standaard' or up to €45,000 per event under 'uitgebreid'. A related optional rider, Zekerheid voor inzittenden, separately covers occupant injury/property loss up to €1,000,000 per event plus €10,000 per deceased occupant.

Clause 33Page 19

Section: Bijzondere voorwaarden > 33. Ongevallen Inzittenden > Wat vergoeden wij?

Indien dekking 'standaard' van toepassing is, € 5.000,-. • Indien dekking 'uitgebreid' van toepassing is, € 10.000,-.

Key conditions

Driver restrictions

Cover excludes damage caused by an unauthorized driver, a driver without a valid driving licence (unless simply forgotten to renew), a driver not permitted to drive under a legal ruling, a driver under the influence of alcohol, drugs or medication, or use that does not comply with supervised-driving rules (2toDrive); the vehicle also may not be used commercially (e.g. taxi, rental, driving lessons, courier services) unless declared and accepted.

Claim notification deadline

Claims must be reported as soon as possible; theft, burglary, robbery, vandalism, riots or other criminal offences must be reported to the police immediately. If the policyholder disagrees with a claim decision, they must respond within three years, after which no further payment is owed.

Bonus-malus rules

Premium discount is set via a 21-step Bonus/Malus scale based on claim-free years recorded in the shared insurer database Roy-data; one claim-free year moves the policyholder up one step, while claims move them down; tiers 14 to 21 carry the maximum 80% discount and the lowest tiers carry up to a 40% surcharge; certain claim types (e.g. fully recovered from another party, vulnerable road user collisions without fault, accessories-only or rider-only claims) do not affect the Bonus/Malus step.

Territorial scope

All cover except Replacement Transport applies throughout the Netherlands, all Green Card European countries (except crossed-out ones) and all Green Card non-European countries; the Replacement Transport add-on applies only in the Netherlands and Green Card European countries excluding Albania and crossed-out countries.

Documents

Unigarant Car Insurance Terms and Conditions (AUT UGG 05-23) (opens in a new tab)

Terms & conditions · PDF

Unigarant Car Insurance Terms and Conditions (AUT UGF 06-19, prior edition) (opens in a new tab)

Terms & conditions · PDF

Unigarant Car Insurance Policy Terms (AUT UGG 06-23, current edition listed on unigarant.nl) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

No-claim discount up to 80%

Premium reduction for policyholders with no insurance claims, with maximum discount reaching 80 percent

Source

Section: De voordelen van onze autoverzekering

No-claimkorting tot maar liefst 80%

Maximum 6 months continuous use abroad

The policy covers vehicle use abroad up to a maximum of six consecutive months; longer periods require explicit notification to the insurer

Source

Je mag maximaal zes maanden achter elkaar in het buitenland rijden. Neem in de volgende situaties altijd contact op met jouw verzekeringsadviseur: als je langer dan zes maanden naar het buitenland gaat;

Must report if vehicle is abroad for more than six months

Policyholders must immediately notify Unigarant if the car is located outside the Netherlands for more than six consecutive months, since this may affect the terms or premium of the policy.

SourceClause 5Page 3

Section: Algemene voorwaarden > 5. Deze wijzigingen moet u direct aan ons doorgeven

Als de auto zich meer dan zes maanden aaneengesloten buiten Nederland bevindt.

Liability cover void after 6 months continuous use outside the EU

The mandatory Wettelijke Aansprakelijkheid (third-party liability) cover explicitly excludes damage caused by the car when it has been located outside the European Union for more than six consecutive months.

SourceClause 28Page 11

Section: Bijzondere voorwaarden > 28. Wettelijke Aansprakelijkheid

Veroorzaakt door de auto wanneer die zich meer dan zes maanden aaneengesloten buiten de Europese Unie bevindt.

Sources

Unigarant Motor third-party liability

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