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Third-Party Liability cover

Covered for legal liability to others

ABN AMRO

Calculate premium

ABN AMRO

View or change my insurance

ABN AMRO

File a claim

Car insurance with Third-Party Liability cover

Third-party cover is insurance that covers your legal liability, i.e. your liability for any damage you cause to others with your car. Please note that cover is provided only if you are actually legally liable. If you own a car, you are required by law to at least take out third-party liability insurance for it. Third-party liability cover does not cover damage to your car. If you want cover for damage to your car as well, you should take out Third-Party Liability + Limited Cover or Third-Party Liability + Comprehensive Cover.

What does third-party liability insurance cover and what does it not cover?

ABN AMRO

You are insured for things such as:

Damage...

  • Suffered by others caused by your car
  • Suffered by others caused by a load falling off your car
  • Suffered by others and caused by a trailer towed by your car
  • To your car's trim and caused by transportation of a casualty
Take a look at all the terms and conditions
ABN AMRO

You are not insured for things such as:

Damage caused by...

  • Fire or lightning strike
  • Theft or attempted theft
  • A collision with an animal
  • A collision
  • Vandalism
Take a look at all the terms and conditions

Take out car insurance in 3 steps

ABN AMRO

Calculate your premium

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.
ABN AMRO

Reporting code and mileage

Before you take out car insurance we require the reporting code (meldcode) and odometer reading. Have these ready.
ABN AMRO

Directly insured

Submitted everything? Then take out the car insurance. You choose when the insurance takes effect: immediately or later.
Take out insurance

Take out car insurance in 3 steps

ABN AMRO

Calculate your premium

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.
ABN AMRO

Reporting code and mileage

Before you take out car insurance we require the reporting code (meldcode) and mileage. Have these ready.
ABN AMRO

Directly insured

Submitted everything? Then take out the car insurance. You choose when the insurance takes effect: immediately or later.

Take out car insurance
man and woman standing next to broken car

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.

front light gray car

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.

conflict with two cars

Discover the Direct Claims Settlement

Someone damaged your car? And are you insured with third-party or third-party liability insurance? Then in many cases you are entitled to the Direct Claims Settlement (DCS). ABN AMRO Verzekeringen arranges the damage caused easily and quickly for you. You no longer have to report this damage to the insurer of the liable party.

View the differences

Third-Party Liability

  • Damage suffered by third parties
  • Fire, storm and hail damage
  • Theft and break-ins
  • Window damage
  • Vandalism
  • Damage to your own car that you caused yourself
  • Personal intent
Calculate your premium

Third-Party Liability + Limited Cover

  • Damage suffered by third parties
  • Fire, storm and hail damage
  • Theft and break-ins
  • Window damage
  • Vandalism
  • Damage to your own car that you caused yourself
  • Personal intent
Calculate your premium

Third-Party Liability + Comprehensive Cover

  • Damage suffered by third parties
  • Fire, storm and hail damage
  • Theft and break-ins
  • Window damage
  • Vandalism
  • Damage to your own car that you caused yourself
  • Personal intent
Calculate your premium

Third-Party Liability

  • Damage suffered by third parties
  • Fire, storm and hail damage
  • Theft and break-ins
  • Window damage
  • Vandalism
  • Damage to your own car that you caused yourself
  • Personal intent
Calculate your premium

Third-Party Liability + Limited Cover

  • Damage suffered by third parties
  • Fire, storm and hail damage
  • Theft and break-ins
  • Window damage
  • Vandalism
  • Damage to your own car that you caused yourself
  • Personal intent
Calculate your premium

Third-Party Liability + Comprehensive Cover

  • Damage suffered by third parties
  • Fire, storm and hail damage
  • Theft and break-ins
  • Window damage
  • Vandalism
  • Damage to your own car that you caused yourself
  • Personal intent
Calculate your premium

Frequently askes questions

When do I pay excess?

Third-Party Liability Insurance only covers damage you cause to other people and is therefore not subject to an excess. 

Is an alarm system required for car insurance?

No. An alarm system is not required. However, 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 Dutch Motor Vehicle Certification Association (Stichting Certificering Motorrijtuigen, SCM) has defined different security classes. If your car does not have an SCM-certified security system, the insurance will still pay out in case of a claim due to theft. However, if your car is not adequately secured, your excess will be equal to 2.5% of the list value (subject to a minimum of €375). Click here for more information about anti-theft security systems.

Other useful info