Car insurance sb
Quotations and policy schedules for car insurance contain short codes and section names. This page explains what those designations mean and what to check them against.
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In brief
A car policy consists of sections. The policy schedule states, per section, whether it is insured, with what sum insured and with what excess. The basis is always the liability section, often abbreviated to Third-party liability, which is compulsory under Article 2 of the WAM. Alongside it there are own-damage sections: third-party, fire and theft for damage from outside that you can do nothing about, and comprehensive cover for damage you cause yourself as well.
What causes most confusion are the occupants' sections. An accident variant pays a fixed amount on death or permanent disability, regardless of who was at fault. An indemnity variant pays for the loss actually suffered by occupants, including the driver who caused the accident. That is a material difference, because the liability cover never pays the loss of the driver at fault. On top of that, a traffic legal expenses section sometimes appears. That can overlap with an existing legal expenses insurance.
You will also see terms such as excess, bonus-malus step, no-claims protector, regular driver and clause. The last of these is the most important: a clause is an additional arrangement that takes precedence over the general conditions, for example about security, a mileage limit or a designated repairer. What a clause says, applies. You can read more about handling matters after a claim under the claims process for car damage.
This page deals with one situation. The full overview is on Compare car insurance.
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We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
What to look out for
Four places on the policy schedule where mistakes creep in that only come to light when there is a claim.
Is the regular driver correct
The premium has been calculated on the person who drives the car most. If an old name is still there, or a child with a fresh licence now covers most of the kilometres, the basis is wrong. In that case the insurer can rely on Article 7:930 of the Dutch Civil Code and reduce the payment in proportion to the extent to which the premium was too low.
Sum insured and market value arrangement
Check on which basis of value the own-damage section was taken out and how long any purchase-price or replacement-value scheme runs. When it ends, you fall back on market value. Article 7:960 of the Dutch Civil Code does not allow you to receive more than the loss actually suffered, so a sum insured that is too high produces no extra payment.
Excess per section
The excess often differs per section and sometimes per situation: higher for young drivers, lower or nil for glass repair or for repair through an affiliated firm. For theft a separate amount sometimes applies. Read which amount belongs where, so that you do not go by the lowest figure you have seen somewhere.
What no section covers
Outside every car policy are wear, maintenance and mechanical or electronic faults, loss of value after repair and damage during hire, carriage for payment or speed tests. Driving without a valid licence or under the influence also leads to refusal, as does damage inflicted intentionally, under Article 7:952 of the Dutch Civil Code.
What does your premium depend on?
- Sections chosen: every cover ticked counts in the total
- Bonus-malus step: translates your no-claims years into a discount
- Excess per section: raising it brings the premium down, but not by the same amount in every section
- Regular driver: the age and driving experience of whoever drives most
- Vehicle details: value, weight, power and year of manufacture
- Tailored clauses: a mileage limit or a security requirement changes the rate
Insurers weigh these details differently. That is where your saving is.
Which section pays what
| Situation | Basic | Extended |
|---|---|---|
| You cause a rear-end shunt. The damage to the other person's car | Yes | Yes |
| The injury to the colleague who was sitting next to you in that same collision | Yes | Yes |
| Your own broken wrist as the driver who caused the accident | No | Provided that |
| A chip in the windscreen from a stone on the motorway | No | Yes |
| The traffic fine that arrives against the registration after that same journey | No | No |
| Replacement of a clutch worn out after 180,000 kilometres | No | No |
Which sections actually apply you can read line by line on your own policy schedule.
Frequently asked questions
This is what people ask us most.
What is the difference between occupants' accident insurance and occupants' indemnity insurance?
The accident variant pays an amount agreed in advance on death or permanent disability, regardless of fault and regardless of the actual loss. The indemnity variant pays for the loss actually suffered by all the occupants, including that of a driver who caused the accident. The latter therefore closes a gap that the liability cover by definition leaves open.
Why is there a clause on my policy that I do not recognise?
Clauses are added on acceptance, for example after a claims history, because of the type of car or because of where it is kept. They take precedence over the general conditions. If you do not comply with them at the time of a claim, the insurer can limit or refuse the cover. Read them when you receive the policy and get in touch if something does not match your situation.
What exactly does bonus-malus mean?
It is the insurer's discount ladder. Every claim-free year moves you up a step and produces more discount. A claim the insurer pays sets you back several steps at once. The underlying no-claims years are registered centrally and go with you when you switch. The step itself differs from company to company, so the same years give a different discount elsewhere.
I have had a claim. What should I do first?
Complete a European accident statement form together with the other party and report the claim to your insurer or to us. Article 7:941 of the Dutch Civil Code requires you to report as soon as you are reasonably aware and to cooperate with the investigation. Do not admit liability at the scene and do not order any repair before it is clear what your policy provides about that.
Every situation is different. For these situations we have a separate page.
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