Territorial scope · assistance · occupants
Car insurance through Nationale-Nederlanden
Nationale-Nederlanden is one of the companies Finass acts as broker for. This page sets out where a car policy stops in practice: outside the country, in a breakdown and where the driver themselves is injured.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Autoverzekering via Nationale-Nederlanden.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Third-party liability cover is compulsory by law under Article 2 of the Dutch Motor Insurance Liability Act (WAM) and pays only for the damage you cause to others with your car. Everything above that is a choice. Finass places your policy with the company whose conditions and underwriting policy fit best; Nationale-Nederlanden is one of the more than thirty. Which types of cover exist and when own-damage cover is still worthwhile is set out on the hub page compare car insurance.
The area of cover is the first point people overlook. The green card, nowadays usually a white sheet you print yourself, states the countries for which the liability cover applies; country codes crossed out do not count. For own damage abroad, additional conditions can apply, for instance about whether repatriation of the vehicle is insured. If you drive outside Europe, a separate arrangement is almost always needed.
The second point is that car insurance is not a maintenance contract. A breakdown from a mechanical defect is not an insured event; towing and assistance costs are only borne by the insurer if you have an assistance module. Putting in the wrong fuel, a flat battery or a lost key sometimes fall under it and sometimes do not. If you are considering extensions such as personal accident or motor passenger insurance for occupants or legal expenses for motor accidents, first look at what cover you already have elsewhere.
This page deals with one situation. The full overview is on Compare car insurance.
What to look out for
Four situations in which the cover ends while people assume it continues.
The green card determines where you are insured
Outside the countries named on the card there is no third-party liability cover, and without valid cover you may not enter the country. Check the card before every trip, even if you were allowed there last year: the list is amended periodically. If you transport the car by boat or train, declare that in advance, because transport over water does not automatically fall under the own-damage cover.
A breakdown is not damage
Own-damage cover is about external damage and not about failing technology. A broken timing belt, a faulty injector or a burnt-out clutch are mechanical defects and are excluded everywhere. If you want certainty about towing, replacement transport or roadside assistance, you need a separate module for that.
Your own injury is not covered by third-party liability
The liability cover is there for the victim, not for the person who caused the accident. If you drive into a tree yourself, the third-party liability cover does not pay for your injury and your own-damage cover only for the car. For that there is occupants' accident and damage insurance, which pays for injury to the driver and passengers whoever is at fault.
Theft and security
After a theft the insurer looks at the security agreed and at your own conduct. Keys in the ignition, a window left open or an alarm not switched on where it is a condition on the policy schedule can cost you the payment. seizure, confiscation and damage from action by the authorities fall outside every car policy.
What does your premium depend on?
- Type of cover and additional modules: assistance, occupants and legal expenses count separately
- No-claims years: and whether you include a no-claims protector
- Age of the regular driver: and whether younger drivers use the car
- List price and type of fuel: repair costs vary widely per version
- Place of residence: theft and collision figures differ per region
- Annual mileage: more kilometres means statistically more claims
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| You fail to give way and damage someone else's car | Yes | Yes |
| Your daughter drives on a licence held for a few months and causes damage | Yes | Provided that |
| A ball from children playing dents your door | No | Yes |
| You drive into the garage with the bike rack on the roof and damage the roof | No | Yes |
| Your car stands in a flooded street and the water rises above the sills | No | Provided that |
| After a number of years the air conditioning no longer cools | No | No |
If someone other than the regular driver drives regularly, ask in advance whether a clause or an increased excess applies to that.
Frequently asked questions
This is what people ask us most.
Do I still need a green card within the EU?
For most EU countries the registration is accepted as proof, but outside that group the border or traffic police still ask for it. The card is also the only place where it is set out in black and white for which countries your cover applies. So take it with you, digitally or on paper, and check that the period of validity covers your whole trip.
Is breakdown assistance included as standard?
No. Roadside assistance, towing and replacement transport are additional covers you take out separately. A fault in the car itself is not an insured loss. The insurer does not pay for repairing it, not even with comprehensive cover. If you already have assistance through a motoring organisation or your credit card, check that you are not taking out that cover twice.
Who pays for my injury if I am at fault?
Without additional cover, nobody. The third-party liability cover pays only the other party's loss and the own-damage cover only your vehicle. Motor passenger insurance pays for injury to the driver and passengers whoever is at fault; personal accident insurance for occupants pays a fixed amount on death or permanent disability. Those are two different products with a different outcome.
When do I have to report a claim?
As soon as you reasonably can; Article 7:941 of the Dutch Civil Code requires this. The insurer may hold late reporting against you where its interests have been harmed as a result, for instance because the other party can no longer be traced. Always complete a European accident statement form, even after an apparently minor collision, and do not admit liability at the scene.