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Passenger insurance

Additional insurance for your passengers

A car accident is always distressing. Particularly if you or one of your passengers is injured or your luggage or belongings are damaged. ABN AMRO car insurance offers additional insurance that includes insurance for passengers. 

There are two types of passenger insurance cover: passenger accident insurance and passenger damage insurance.

 

The benefits of passenger accident insurance

You might be wondering why you need passenger accident insurance as passengers involved in a car accident can claim for damage on the personal liability insurance of the person who caused the accident, and medical costs are reimbursed by the healthcare insurance company. But additional passenger insurance cover can be very useful.

  • If you are driving and cause an accident yourself, damage to luggage and financial compensation for loss of earnings are not part of the standard cover. Not even if you have third-party liability + comprehensive cover. They are, however, covered if you have additional passenger insurance.
  • Healthcare insurance does not cover the cost of a funeral, for example, and neither does it cover personal injury costs or permanent disability, whereas passenger insurance does.
  • If no one is to blame for causing the accident, the costs are not always covered, but you will be able to claim if you have passenger insurance.
  • Your claim will be dealt with faster, and compensation will be paid out sooner. This is because having passenger insurance means that compensation doesn’t depend on who caused the accident.
 

What passenger insurance covers

Passenger insurance is an additional cover provided by ABN AMRO car insurance. There are two types of passenger insurance cover: passenger accident insurance and passenger damage insurance.

  • Passenger accident insurance covers you and your passengers for injuries. 
  • Passenger damage insurance covers you for damage to you, your passengers and luggage or belongings, caused by an accident. 

This insurance also covers you if you caused the accident yourself.

Differences between types of cover

You want to take out passenger insurance. We’ve made a summary of both types of passenger insurance so you can decide which type of additional cover is right for you.

Passenger damage insurance: Passenger accident insurance:

Up to €1,000,000 per incident can be claimed, jointly for the driver and all passengers:

  • The actual cost of the damage is reimbursed if you or a passenger dies or becomes permanently disabled
  • Damage to belongings is reimbursed
  • The cost of rehabilitation and loss of income are reimbursed

You receive a fixed amount for claims:

  • Up to €20,000 per passenger for permanent disability
  • €7,500 per passenger in the event of death

The amounts paid out with passenger damage insurance are often higher, which is why the monthly premium is higher.

Calculate your premium

Decide for yourself which cover is right for you and calculate your premium. Simply tick the various cover options during calculation to find out how they affect your premium.

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