Fill in your license plate number and tell us more about the car, the driver and your claim-free years. This is how we calculate your premium.
Car insurance
in the Netherlands
Why take out car insurance?
Thinking of buying a car in the Netherlands? That is great! In the Netherlands it is mandatory to have at least a Third-Party Liability insurance for your car. If you want to change your cover at a later stage, that will not be a problem, you can change it at any time! Good to know: with our car insurance, it is easy to get your damage repaired thanks to the ABN AMRO Schade Service. The ABN AMRO Schade Service includes free alternative transport and a 4-year warranty on the repair.
Car insurance in the Netherlands: additional cover options
Want extra peace of mind? Choose additional cover, such as car legal expenses, breakdown assistance or cover against damage suffered by passengers, so that your passengers are also insured for personal injury and other cases.
Take out car insurance in 3 steps
Calculate your premium
Reporting code and mileage
Before you take out car insurance we require the reporting code (meldcode) and mileage. Have these ready.
Directly insured
Submitted everything? Then take out the car insurance. You choose when the insurance takes effect: immediately or later.
I have damage, what now?
With us you always have personal help and fast claims handling. Whether you had a fire or car damage. You only need to report the damage. We take care of the rest. This way you have no hassle in case of damage.
More information
Discount for an additional car
If you have a second car, why not insure it with us as well to get a discount on your premium. That’s a great deal! Find out how it works.
Claim-free years
It pays not to have to claim on your insurance! The discount on your premium can rise to as much as 80%. Find out more about claim-free years.
Changing your car insurance
If you already have car insurance with us, but have changed cars, give us a call to make sure your new car is insured properly. Want to change your policy or include additional cover? You can do it yourself online.
Terms and conditions car insurance
Who it is for
ABN AMRO car insurance in the Netherlands is intended for private individuals and self-employed professionals for cars with a Dutch registration.
Are you self-employed? Then you can insure the car privately if you occasionally use your car to drive from home to work or to a business relation, for example.
You need an ABN AMRO bank account to take out car insurance. Not yet a customer? A bank account is opened in no time.
Excess
Third-Party Liability Cover only covers damage you cause to other people and is therefore not subject to an excess.
With Third-Party Liability + Limited Cover and Third-Party Liability + Comprehensive Cover, you have an excess of €150 per occurrence in the event of a claim. If you have the damage to your car fixed through the ABN AMRO Claims Service, then this excess will lapse. This does not apply to window replacement, however, for which the excess is €75.
If your car is adequately secured, you do not have to pay an excess in case of theft, attempted theft, break-in or joyriding. The Motor Vehicle Certification Foundation has determined different security classes. If your car does not meet any of them, you will have an excess of 2.5% of your car's daily value and pay a minimum excess of €375.
If you have taken out the additional breakdown coverage and you get a temporary replacement car in case of damage, the rental company may have set an excess. Sometimes it is possible to reduce this excess for a fee.
Security classes
With a well-secured car, you do not have an excess in the event of (attempted) theft, burglary or joyriding. Stichting Certificering Motorrijtuigen has determined various security classes. If your car does not meet this requirement, you have an excess of 2.5% of the catalog value (with a minimum of €375).
Costs
Premium
How much premium you pay for your car insurance depends on your:
- Car
- The cover options you choose
- Age
- Town/city
- Claim-free years
- Your annual mileage
- Personal details
Commission
ABN AMRO Bank N.V. provides personal customers with non-life insurance products and advises them on behalf of ABN AMRO Schadeverzekering N.V. We receive a fee of 10% of the premium for this. You can read more about our services on our non-life insurance information sheet (PDF, 207 KB) .
Insurance tax
You will be charged 21% insurance tax on the ABN AMRO car insurance premium and costs. This amount will be included in the calculation of your premium.
Package discount
If you take out 3 or more insurance policies with ABN AMRO, you will qualify for 3 to 5% package discount.
Green card
Your car insurance will include a green card. This is international proof of your car insurance that you can use abroad. The card lists the countries you are insured in and the telephone numbers you will need in an emergency. You will get a new green card each year.
You can download the green card from your personal ABN AMRO Verzekeringen environment:
- Go to Internet Banking.
- You’ll now see your policy. Click ‘Change insurance’ in the top-right.
- You’ll be taken to your personal ABN AMRO Verzekeringen environment.
- Click ‘Correspondence’.
- Go to your latest car insurance policy.
- You can download your green card here.
- Print the green card (it’s fine to do this on white paper) or download the document to your smartphone.
If you go on holiday with a caravan with your own registration number, you need a second green card in Germany, Poland and Spain. If your caravan weighs more than 750 kilos, you will need a second green card everywhere. Have you lost your green card or would you like to request an extra one, for example for your caravan? Request a new green card online (in Dutch).
Insurance cards
Cancellation or termination
Cancellation within 14 days
After taking out car insurance, you have a 14-day cooling-off period during which you can cancel your policy free of charge. Simply send the policy to the following address (no stamp required):
ABN AMRO Verzekeringen
Antwoordnummer 9000
8000 VB Zwolle
Cancellation after 14 days
You can cancel your car insurance as of any day, albeit not retroactively.
Frequently asked questions
Is car insurance mandatory?
In the Netherlands, you are obliged to take out car insurance if you own a car. Car insurance is mandatory even if you do not drive the car. If you sustain damage with your car, the financial consequences can be severe. Car insurance is therefore definitely not simply a nice-to-have.
What car insurance do I need?
Any car insurance cover will allow you to hit the road. You decide how comprehensive you want the cover to be. It is a legal requirement to have at least Third-Party Liability Cover. This cover pays out for damage you cause to others with your car. If you also want to be insured for damage to your own car, you can opt for Third-Party Liability + Limited Cover or Third-Party Liability + Comprehensive Cover. You can also take out additional cover, such as Breakdown Assistance or Car Legal Expenses.
How much does car insurance cost in the Netherlands?
The costs of a car insurance in the Netherlands depend on the car itself, its age, the town/city you live in, your claim-free years and your annual mileage. The cover you choose also influences the premium you pay.
At ABN AMRO you can choose a Third-Party Liability, a Third-Party Liability + Limited Cover or a Third-Party Liability + Comprehensive Cover.
How does car insurance work in Netherlands?
Applying for a car insurance in the Netherlands is easy. First choose the cover that suits you best, provide us with some details and calculate your premium. Before you can take out the car insurance, we need your car’s meldcode and mileage. After submitting everything you can choose an effective date. If you want, your car insurance can take effect immediately. Do you wish to change your cover? That is possible at any time.
What is a meldcode?
For every car insurance you need the meldcode of your car. The meldcode of your car consists of 4 digits. These are the last 4 digits of your car's chassis or identification number. You will find this number on your registration certificate.
Can I insure my car in the Netherlands when the car is abroad?
Yes, you can insure your car if you want to import it from abroad, for example. If your car is abroad, we will send you a letter of intent informing you that we are prepared to insure your car. Please call us in order to arrange this.
When do I pay excess?
Third-Party Liability Cover only covers damage you cause to other people and is therefore not subject to an excess.
With Third-Party Liability + Limited Cover and Third-Party Liability + Comprehensive Cover, you have an excess of €150 per occurrence in the event of a claim. If you have the damage to your car fixed through the ABN AMRO Claims Service, then this excess will lapse. This does not apply to window replacement, however, for which the excess is €75.
If your car is adequately secured, you do not have to pay an excess in case of theft, attempted theft, break-in or joyriding. The Motor Vehicle Certification Foundation has determined different security classes. If your car does not meet any of them, you will have an excess of 2.5% of your car's daily value and pay a minimum excess of €375.
If you have taken out the additional breakdown coverage and you get a temporary replacement car in case of damage, the rental company may have set an excess. Sometimes it is possible to reduce this excess for a fee.
How do I get a European accident statement?
The European accident statement is available for download here (PDF, 57 KB) . You can print it and keep it in your car’s glove compartment.