Extracted from source documents

VvAA Motor third-party liability (Autoverzekering)

Underwritten by VvAA · Netherlands

motor third-party liability insurance from VvAA for the Netherlands market, with online purchase and 24/7 assistance.

Verified Sep 1, 2026 · Terms dated 2017-04Sources

Online purchase24/7 helpline

Unique selling points

Up to 82.5% no-claims discount with a Lifetime Bonus Guarantee that protects your maximum discount even after a claim (Premium tier).

Free VvAA Verhaalservice included with the Premium tier to recover damage costs from an at-fault third party.

Dedicated €2,500-€5,000 cover for (para)medical or veterinary instruments stolen from the car, tailored to healthcare professionals.

24/7 dedicated Artsen Alarm Service assistance line for accidents and breakdowns, in the Netherlands and abroad.

24/7 dedicated Artsen Alarm Service assistance line after accidents and theft, in the Netherlands and abroad; breakdown assistance is optional.

Coverage limits

Liability limit (covers injury + property damage)

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

Autoverzekering (Basis)Autoverzekering Premium
Covered

Legal defence & special costs

Covered

Under Rubriek A (Art. 11.2.3), VvAA covers, without a stated maximum, the legal-assistance costs the insured incurs (with VvAA's consent) in a criminal case, the litigation/defence costs against a liability claim (if VvAA provided or pre-approved the defence), and statutory interest on the compensation. The separate, Premium-exclusive Verhaalservice (Rubriek D) is a distinct optional recovery-cost service capped at €1,000 if the at-fault third party is insolvent — see product_specific_constraints.

Clause Art. 11.2.3Page 13

Section: RUBRIEK A: WETTELIJKE AANSPRAKELIJKHEID (WA) > 11.2.3. Bijzondere kosten

Kosten van rechtsbijstand die u met onze toestemming maakt in een strafzaak die tegen u is ingesteld.

Covered

Green Card / international motor insurance certificate

Covered

The Green Card lists the countries in which the policy is valid; only the countries not struck through on the card are covered (Art. 3 / 17.2). If a foreign authority demands a security deposit (bail) to lift a vehicle seizure or a travel restriction following a traffic offence, VvAA provides this security up to €50,000 per insured event (Art. 11.2.2).

Clause Art. 3Page 5

Section: ARTIKEL 3. IN WELKE LANDEN BENT U VERZEKERD?

Op uw groene kaart (het internationale verzekeringsbewijs) staat in welke landen u verzekerd bent. U bent alleen verzekerd in de landen die niet zijn doorgehaald.

Conditional

Roadside assistance / emergency help (Artsen Alarm Service)

Conditional

Basic emergency assistance abroad and in the Netherlands after theft or an accident that immobilises the car is included even with WA-only cover (Art. 7.3), via the 24/7 Artsen Alarm Service (AAS). Assistance for mechanical breakdown ('pech') itself only applies if Rubriek D 'Pechhulp' (standard) or Rubriek E 'Pechhulp uitgebreid' (Premium) is shown on the policy. Premium additionally provides a stand-in driver to bring the car back to the Netherlands and hotel-night cover abroad up to €75 per occupant per night (max €750 per event) — benefits absent from the standard tier.

Clause Art. 7.3Page 7

Section: ARTIKEL 7. HULPVERLENING BIJ SCHADE > 7.3. Welke hulp krijgt u als u alleen WA verzekerd bent?

U krijgt hulpverlening bij de volgende gebeurtenissen: a. Bij diefstal van uw auto. b. Bij beschadiging van uw auto door een aanrijding of ongeval, waardoor uw auto zich niet meer kan verplaatsen.

Optional

Occupants' accident insurance (lump sum for death/disability), incl. driver

Optional

No limit stated

Optional Rubriek G (Premium) / Rubriek F (standard) 'Ongevallenverzekering Inzittenden' pays a fixed lump sum, stated on the policy schedule as capital A (death) or capital B (permanent disability, scaled by a Gliedertaxe/AMA percentage), to the driver or any occupant injured in an accident with the car, regardless of fault. Only applies if shown on the policy; the actual capital amounts are not disclosed in the general terms. Also includes ancillary cover for medical costs and damaged clothing/valuables up to €250 per person (max €1,500 per event).

Clause Art. 17.3.3Page 18

Section: RUBRIEK G: ONGEVALLEN INZITTENDEN > 17.3.3. Uitkering bij blijvende invaliditeit

In geval van blijvende invaliditeit, als rechtstreeks gevolg van een ongeval, keert VvAA maximaal het op het polisblad vermelde kapitaal B uit.

Optional

Passenger/occupant damage insurance (SVI), incl. driver

€1M

Optional Rubriek F (Premium) / Rubriek E (standard) 'Schadeverzekering Inzittenden' compensates the actual damage (medical costs, income loss, damaged belongings, pain & suffering) suffered by the driver or any occupant in a car accident, regardless of fault, up to €1,000,000 per event for all insureds combined; minimum €12,500 on death; payout reduced to 75% of the damage amount if the occupant was not wearing a seatbelt. Only applies if shown on the policy.

Clause Art. 16.4Page 17

Section: RUBRIEK F: SCHADEVERZEKERING INZITTENDEN > 16.4. Wat is de maximale vergoeding?

De vergoeding is maximaal € 1.000.000,- per gebeurtenis. Dit bedrag is voor alle verzekerden samen. Is de totale schade meer dan € 1.000.000,-? Dan krijgen de verzekerden hun schade naar verhouding vergoed. Bij overlijden van een verzekerde vergoeden wij minimaal € 12.500,-.

Key conditions

Driver restrictions

No cover (subject to proof of no-fault knowledge) if the driver is not authorised to drive on public roads or lacks a valid required driving licence; if the car is rented out; during speed/skill contests, record/performance runs, races or off-road recreational driving; if driven by an unauthorised driver; if the WAM or periodic (APK) inspection obligations are not met; if the driver is under the influence of alcohol or an intoxicating/stimulant substance to a degree prohibited by law; or if the driver refuses a breath/urine/blood test.

Claim notification deadline

Events must be reported to VvAA as soon as possible and in any case within 5 working days (Art. 6.2.a). In case of theft, (attempted) burglary, embezzlement or joyriding of the car, a police report must be filed within 24 hours and VvAA must be notified within 72 hours.

Bonus-malus rules

Premium discount is set by a bonus ladder (Tabel 1) running from step 1 (0% discount) to step 18 (82.5% discount); new customers start at step 5 (50%). Claims in Rubriek A (WA) or Rubriek C (full casco) reduce the step for the following year according to the table; certain claims (e.g. glass breakage, driver's own recovery of the loss, no-fault Art. 185 cases) do not count against the discount. The Autoverzekering Premium can add a Levenslange Bonusgarantie: after 5 consecutive years with VvAA Premium and at least 11 no-claims years built up, one claim per year no longer reduces the maximum bonus discount (this guarantee does not exist in the standard Autoverzekering).

Territorial scope

Coverage applies in the countries listed on the Green Card (international motor insurance certificate) that are not struck through; the VvAA WA insurance card lists Europe, Israel, Morocco, Tunisia and Turkey as the covered area.

Documents

Terms & Conditions - VvAA Autoverzekering Premium (AUT-P1704) (opens in a new tab)

Terms & conditions · PDF

Terms & Conditions - VvAA Autoverzekering (AUT-1704) (opens in a new tab)

Terms & conditions · PDF

IPID - VvAA Car Insurance WA (standard) (opens in a new tab)

Product information sheet · PDF

IPID - VvAA Car Insurance WA (Premium) (opens in a new tab)

Product information sheet · PDF

IPID - VvAA Breakdown Assistance (Pechhulp) (opens in a new tab)

Product information sheet · PDF

IPID - VvAA Passenger Insurance (SVI) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Breakdown assistance

Optional roadside breakdown and emergency assistance coverage

Source

Section: Kies je aanvullende dekkingen

24/7 hulp in binnen- en buitenland Professionele hulp van Artsen Alarm Service Vervangend vervoer in binnen- en buitenland

Passengers injury insurance

Optional coverage providing actual damage compensation for passenger injuries in accidents regardless of fault

Source

Section: Kies je aanvullende dekkingen

Bij letsel of overlijden van de bestuurder of passagiers krijg je de werkelijke schade vergoed. Dat geldt ook voor spullen die niet bij de auto horen, zoals een laptop, kleding of je telefoon.

Lifetime bonus protection

Permanent no-claims discount guarantee protecting bonus level even after claims

SourceClause Art. 10.4Page 12

Section: ARTIKEL 10. SCHADEVRIJE JAREN EN DE BONUSLADDER > 10.4. Levenslange Bonusgarantie

Deze regeling houdt in dat schadegevallen die door verzekerde geleden of veroorzaakt zijn, niet leiden tot verlaging van de bonuskorting op uw premie artikel 10.1 (tabel 1).

Medical/veterinary instruments coverage

Separate coverage for theft of paramedical or veterinary instruments from vehicle

SourceInsurers' association document

Section: Wat is verzekerd? > Bijzondere dekking

Diefstal van (para)medisch of veterinair instrumentarium is bij diefstal uit de auto verzekerd tot maximaal € 2.500,-.

VvAA Verhaalservice (cost recovery service)

Rubriek D provides free legal/practical support to recover damage to the insured's own car from a liable third party; if recovery costs exceed the damage, VvAA may pay the damage amount instead; the insured receives at most €1,000 if a court rules in their favour but the third party cannot pay due to insolvency.

SourceClause Art. 14.3Page 15

Section: RUBRIEK D: VERHAALSERVICE > 14.3. Welke kosten worden vergoed?

Zijn de kosten van de Verhaalservice hoger dan de geleden schade aan uw auto? Dan kan VvAA ervoor kiezen om het bedrag van de geleden schade aan u te vergoeden, in plaats van Verhaalservice te verlenen. U ontvangt maximaal € 1.000,- als de rechter u in het gelijk stelt, maar de tegenpartij uw schade niet kan vergoeden wegens onvermogen.

Claims notification deadline

Time window for reporting damage events to insurer

SourceClause Art. 6.2Page 7

Section: ARTIKEL 6. WAT MOET U DOEN BIJ EEN SCHADE? > 6.2. Wat moet u nog meer doen bij een schade?

Informeert u ons zo snel mogelijk, en in ieder geval binnen 5 werkdagen, over een gebeurtenis die voor ons tot een uitkeringsplicht kan leiden.

Young professional discount

Additional premium reduction for recently qualified healthcare professionals

Source

Heb jij minder dan 5 jaar geleden je eerste (para)medische studie of opleiding afgerond en heb je een BIG-registratie? Als young professional ⓘ krijg je 10% extra premiekorting op je autoverzekering.

No-claims discount scale

Progressive discount scale based on years without claims

Source

Section: Kies uit 2 autoverzekeringen > VvAA Autoverzekering

Bij schadevrij rijden loopt jouw korting snel op tot maar liefst 82,5%

Coverage territory

Geographic scope of insurance coverage

SourceClause Art. 3Page 5

Section: ARTIKEL 3. IN WELKE LANDEN BENT U VERZEKERD?

Op uw groene kaart (het internationale verzekeringsbewijs) staat in welke landen u verzekerd bent. U bent alleen verzekerd in de landen die niet zijn doorgehaald.

Sources

VvAA Motor third-party liability

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