Fire damage to your car

If the fire damage was caused by a situation beyond your control, such as vandalism, it does not affect your claim-free years.

If the fire damage was caused as a result of a collision while you were driving the car, then this serves as an additional claim. This depends on the situation and whether it will affect your claim-free years. Your contact at ABN AMRO Verzekeringen can tell you more about this when you file the claim.

Yes. The limited and comprehensive policy plans offer you international coverage for fire damage.

Check the green card (in Dutch) to see the countries in which you are and are not covered.

Does your policy state that your car is insured at current value?

• The car is a total loss or the damage exceeds 2/3rd of the purchase value: you will receive the current market value of the car
• The damage is less than 2/3rd of the purchase value: you will receive the cost of repair

Does your policy state that your car is insured at purchase value? And was your car bought from a car dealer listed with the Chamber of Commerce?

• The car is a total loss or the damage exceeds 2/3rd of the purchase value: you will receive the purchase value of the car
• The damage is less than 2/3rd of the purchase value: you will receive the cost of repair

Do your policy not state that your car is insured at current or purchase value?

• The car is a total loss or the damage exceeds 2/3rd of the purchase value: you will receive the replacement value + 10%
• The damage is less than 2/3rd of the purchase value: you will receive the cost of repair

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.