ZLM Motor third-party liability (Wa Autoverzekering)
Underwritten by ZLM Verzekeringen · Netherlands
motor third-party liability insurance from ZLM for the Netherlands market, with online purchase.
Verified Sep 1, 2026 · Terms dated 2026-01-01Sources
Unique selling points
The WA liability cover has no deductible at all for covered claims.
Recovery assistance (verhaalsbijstand) via the independent Stichting Rechtsbijstand ZLM is included as standard, helping policyholders recover costs from the at-fault party.
Young drivers who complete ZLM's GRIP training receive two extra no-claim discount steps, saving up to 23% on their premium.
Fully electric cars stranded due to an empty battery are also assisted under the accident-related recovery and transport service.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
Legal defence costs
Covered
If the insured is criminally prosecuted in relation to a covered event, ZLM arranges and pays for a lawyer; fines, settlement sums and court costs are not covered.
Section: 3. Wettelijke aansprakelijkheid > Welke kosten krijgt u vergoed?
De kosten van rechtsbijstand als de verzekerde strafrechtelijk wordt vervolgd en wij voor een advocaat zorgen. Wij vergoeden geen boetes, afkoopsommen en gerechtskosten.
Green card / international insurance certificate
Covered
The policy is valid in the countries listed on the international insurance certificate (green card), which is renewed and sent annually; each country applies its own legal rules for liability insurance.
Section: 2. Algemeen > In welke landen geldt de verzekering?
Uw autoverzekering geldt in de landen die genoemd zijn op het internationaal verzekeringsbewijs (groene kaart). U krijgt jaarlijks een nieuw internationaal verzekeringsbewijs van ons. Elk land heeft zijn eigen wettelijke regels voor de verzekering van aansprakelijkheid.
Recovery and transport assistance after an accident
Covered
If the car can no longer be driven after a covered event, or the driver/passengers cannot drive it, ZLM arranges and pays for recovery and transport of the car, driver and passengers, both in the Netherlands and abroad; fully electric cars are also assisted if stranded due to an empty battery. This assistance does not cover breakdowns caused by mechanical or electronic failure (pechhulp), which is only included under the allrisk product.
Section: Wat is verzekerd bij WA? > Is hulpverlening na schade verzekerd?
Heeft u een ongeval gehad? Dan regelen en betalen wij het vervoer van u en uw auto. Dit geldt zowel in Nederland als in het buitenland. Wij helpen u ook als u met uw volledig elektrische auto strandt door een lege accu.
Driver's own accident/injury cover
Excluded
Injury to the driver is explicitly excluded from the WA liability cover; a separate Schadeverzekering Inzittenden (SVI/occupant insurance) product is needed for fault-independent driver injury cover.
Section: 3. Wettelijke aansprakelijkheid > Wat is niet verzekerd?
schade aan de bestuurder;
Passenger injury cover (within liability limit)
Covered
Passengers seated normally in the car are named insured parties, and their clothing and hand luggage are covered; injury to a passenger caused by the insured driver's fault is compensated within the bodily injury liability limit (up to €6,450,000 per event). This is fault-based liability cover, not a fault-independent accident benefit; a separate SVI product covers occupants regardless of fault.
Section: 3. Wettelijke aansprakelijkheid > Wat is niet verzekerd?
schade aan voorwerpen in uw auto. Kleding en handbagage van passagiers zijn wel verzekerd;
Key conditions
Driver restrictions
There is no cover if the driver has no valid driving licence, is disqualified from driving by court order or licence confiscation, drives under the influence of alcohol/drugs beyond legal limits or refuses a related test, drives without a required 2toDrive supervisor, or uses the car for racing, rental, paid passenger transport or a purpose other than declared.
Claim notification deadline
The insured must contact ZLM as soon as possible after an event; for recovery assistance (verhaalsbijstand) via Stichting Rechtsbijstand ZLM, the event must be reported within 3 months of becoming aware of it, after which the right to assistance lapses.
Bonus-malus rules
Premium is adjusted yearly via a no-claim discount ladder (kortingstreden) that can provide up to 70% discount; each claim costs 4 discount steps (down to a minimum of -5), while a fully claim-free year earns an extra step; separately registered schadevrije jaren follow a similar but distinct scale.
Territorial scope
Valid in the countries listed on the international insurance certificate (green card), issued annually
Documents
Policy specifics
Direct claims handling by insurer
The insurer directly assesses and handles material damage claims rather than reimbursing the policyholder after repair
SourceSection: Wat is verzekerd bij WA? > Directe Schadeafhandeling
Verzekeraars beoordelen nu zelf de aansprakelijkheid na een aanrijding. De benadeelde hoeft daar niet meer zelf achteraan en de schade kan sneller afgehandeld worden.
Damage recovery assistance (Verhaalsbijstand)
Included service where the insurer assists in recovering damages from the liable party for traffic-related incidents
SourceSection: Wat is verzekerd bij WA? > Wat houdt verhaalsbijstand in?
Verhaalsbijstand is een service van ZLM Verzekeringen waarbij wij uw schade verhalen.
No deductible for WA-only coverage
WA-only policies have no deductible/excess for covered claims
SourceSection: Wat is verzekerd bij WA?
U heeft bij deze verzekering geen eigen risico.
Transport assistance after accident
The insurer arranges and pays for transportation of the driver and vehicle after an accident
SourceSection: Wat is verzekerd bij WA? > Is hulpverlening na schade verzekerd?
Heeft u een ongeval gehad? Dan regelen en betalen wij het vervoer van u en uw auto.
Sources
ZLM Motor third-party liability