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Submitting a claim

Read what you need to know

I need to make a claim. How do I do that?

Submit your claim online (in Dutch only)

You can submit your claim online 24 hours a day. Log in using the ABN AMRO app and go to your personal ABN AMRO Verzekeringen environment. When you have a legal expenses insurance you can contact ARAG directly for assistance and advice. 

Submit your claim by phone

If you are unable to submit your claim online, you can do it over the phone in English. Call +31 (0)38 49 67 123 (usual call charges apply) between 9 a.m. and 12 p.m. on Monday to Friday.

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Make sure you have the following documents to hand to speed up the claim process

Home contents insurance

When claiming on your home contents insurance, you’ll need a few documents. 

  • Your policy number
  • Photos of the lost items or damage 
  • Receipts, bank statements or other proof of purchase showing the date of purchase and the amount 
  • Official police report (in the event of burglary or theft) 
  • A detailed quote for repair itemising the costs of material, labour and VAT
  • If repair is out of the question: a statement of tot al loss

Once you’ve collected all the documents you need, you can submit your claim.

How much we will pay out on your claim depends on your policy terms and conditions.

Home insurance

When claiming on your home insurance, you’ll need a few documents.

  • Your policy number
  • Photos of the lost items or damage 
  • Receipts, bank statements or other proof of purchase showing the date of purchase and the amount 
  • Official police report (in the event of burglary or theft) 
  • A detailed quote for repair itemising the costs of material, labour and VAT

Once you’ve collected all the documents you need, you can submit your claim.

Car insurance

When claiming on your car insurance, you’ll need a few documents.

If you are using the ABN AMRO Claims Service, you’ll need the following documents: 

If you decide to use your own repair shop, you’ll need the following documents:

  • Your policy number
  • European accident statement (only if a third party is involved in the claim) 
  • At least one detailed photo of the damage 
  • A photo showing the whole of the damaged car and the registration number 
  • A photo with a view of the location and situation where the loss or damage occurred. If applicable: a detailed specification of the damage, drawn up by the repair shop. Since this document may take a bit longer to obtain, you can upload it after submitting the claim.

Once you have collected all the documents you need, you can submit your claim

Personal liability insurance

When claiming on your personality liability insurance, you’ll need a few documents. 

  • Your policy number
  • Contact details of the third party 
  • Notice of liability issued by the third party 
  • Photos of the lost items or damage 
  • Receipts, bank statements or other proof of purchase showing the date of purchase and the amount 

Don’t worry if you can’t provide documents. ABN AMRO Verzekeringen will ask the third party for any documents we may need.

Once you’ve collected all the documents you need, you can submit your claim

Travel and cancellation insurance

When claiming on your annual travel insurance, you’ll need a few documents. 

Luggage

  • Your policy number
  • Proof of having officially reported the theft or loss of your luggage 
  • Proof of purchase, for example a receipt or a copy of a bank statement 
  • If applicable: a repair invoice is also proof of damage or loss 
  • Confirmation of your holiday booking 

Cancellation 

  • Your policy number
  • Proof of cancellation 
  • Confirmation of your holiday booking 

Accidents or medical costs 

  • Your policy number
  • Overview of the claim submitted to your health insurer. You don’t have to include this when you submit your claim, but the person processing your claim may ask to see it. 

Once you’ve collected all the documents you need, you can submit your claim.

Legal expenses insurance

With our legal expenses insurance, you can rely on assistance and advice from ARAG. When claiming on your legal expenses insurance to seek assistance from ARAG, you’ll need a few documents.

  • Your policy number
  • Contract (e.g. employment contract, rental agreement, sales contract) 
  • Statement (e.g. a medical report or witness statement) 
  • Evidence (e.g. receipts or guarantees) 
  • Form (e.g. claims form) 
  • Photos or drawings 
  • Correspondence 
  • Other relevant information 

See ARAG’s website for a complete list of the documents you’ll need.

Once you’ve collected all the documents you need, you can submit your case to ARAG.

Make sure you have the following documents to hand to speed up the claim process

Home contents insurance

When claiming on your home contents insurance, you’ll need a few documents. 

  • Your policy number
  • Photos of the lost items or damage 
  • Receipts, bank statements or other proof of purchase showing the date of purchase and the amount 
  • Official police report (in the event of burglary or theft) 
  • A detailed quote for repair itemising the costs of material, labour and VAT
  • If repair is out of the question: a statement of tot al loss

Once you’ve collected all the documents you need, you can submit your claim.

How much we will pay out on your claim depends on your policy terms and conditions.

Home insurance

When claiming on your home insurance, you’ll need a few documents.

  • Your policy number
  • Photos of the lost items or damage 
  • Receipts, bank statements or other proof of purchase showing the date of purchase and the amount 
  • Official police report (in the event of burglary or theft) 
  • A detailed quote for repair itemising the costs of material, labour and VAT

Once you’ve collected all the documents you need, you can submit your claim.

Car insurance

When claiming on your car insurance, you’ll need a few documents.

If you are using the ABN AMRO Claims Service, you’ll need the following documents: 

If you decide to use your own repair shop, you’ll need the following documents:

  • Your policy number
  • European accident statement (only if a third party is involved in the claim) 
  • At least one detailed photo of the damage 
  • A photo showing the whole of the damaged car and the registration number 
  • A photo with a view of the location and situation where the loss or damage occurred. If applicable: a detailed specification of the damage, drawn up by the repair shop. Since this document may take a bit longer to obtain, you can upload it after submitting the claim.

Once you have collected all the documents you need, you can submit your claim

Personal liability insurance

When claiming on your personality liability insurance, you’ll need a few documents. 

  • Your policy number
  • Contact details of the third party 
  • Notice of liability issued by the third party 
  • Photos of the lost items or damage 
  • Receipts, bank statements or other proof of purchase showing the date of purchase and the amount 

Don’t worry if you can’t provide documents. ABN AMRO Verzekeringen will ask the third party for any documents we may need.

Once you’ve collected all the documents you need, you can submit your claim

Travel and cancellation insurance

When claiming on your annual travel insurance, you’ll need a few documents. 

Luggage

  • Your policy number
  • Proof of having officially reported the theft or loss of your luggage 
  • Proof of purchase, for example a receipt or a copy of a bank statement 
  • If applicable: a repair invoice is also proof of damage or loss 
  • Confirmation of your holiday booking 

Cancellation 

  • Your policy number
  • Proof of cancellation 
  • Confirmation of your holiday booking 

Accidents or medical costs 

  • Your policy number
  • Overview of the claim submitted to your health insurer. You don’t have to include this when you submit your claim, but the person processing your claim may ask to see it. 

Once you’ve collected all the documents you need, you can submit your claim.

Legal expenses insurance

With our legal expenses insurance, you can rely on assistance and advice from ARAG. When claiming on your legal expenses insurance to seek assistance from ARAG, you’ll need a few documents.

  • Your policy number
  • Contract (e.g. employment contract, rental agreement, sales contract) 
  • Statement (e.g. a medical report or witness statement) 
  • Evidence (e.g. receipts or guarantees) 
  • Form (e.g. claims form) 
  • Photos or drawings 
  • Correspondence 
  • Other relevant information 

See ARAG’s website for a complete list of the documents you’ll need.

Once you’ve collected all the documents you need, you can submit your case to ARAG.

I have submitted a claim. What now?

Claim assessment

ABN AMRO Verzekeringen will assess what has happened, whether your claim is covered, and what costs are involved. ABN AMRO Verzekeringen may bring in a claims adjuster to assess the exact extent of the loss or damage with you. The claim adjuster will establish what caused the loss or damage, assess the extent of the loss or damage, and draw up a report. They will also go over the next steps in the process with you.

Repairing damage

If the damage is covered by ABN AMRO Verzekeringen, the next step is to get it repaired. ABN AMRO Verzekeringen can select a repair shop for you, but you can also go to a repair shop of your own choosing. You will then be reimbursed the repair costs. If there is an excess on your insurance, it will be deducted from the reimbursement. Are you taking care of the repairs yourself? Then no excess will be charged. If your damage is not covered, it will be up to you to have it repaired and pay for it yourself.

Checking the status of my claim

You can check your claim online anytime, including any messages that were sent. This information is available in Dutch only.

  1. Go to your personal ABN AMRO Verzekeringen environment.
  2. Select ‘Claims’ at the top. 
  3. Click the number shown for ‘Claim number’. The documents you attached to your claim are shown under ‘Documents’. If you want to add further information about your claim, click ‘Upload documents’.
  4. All the correspondence about your claim is shown under ‘Correspondence’.

Bringing in your own claims adjuster

You are allowed to choose your own damage adjuster, but only if you disagree with the damage assessment made by the damage adjuster engaged by ABN AMRO Insurance. We advise you to choose a claims adjuster who is registered with NIVRE (Netherlands Institute of Registered Claims Adjusters). The fee charged by your claims adjuster will be covered up to the amount charged by ABN AMRO Verzekeringen’s own claims adjuster. To find out whether or not we will cover your claims adjuster’s full fee, please contact us.

Frequently asked questions

If you have reported a new claim, you will receive a response from ABN AMRO Verzekeringen within 3 working days.

Have you already reported the damage and have additional questions? Then you will receive a response from us within 8 to 12 working days.

You can check your claim in your personal ABN AMRO Verzekeringen environment. Here you will also see the documents added by you in relation to the claim and the messages sent about your claim.

  1. Go to your personal ABN AMRO Verzekeringen environment.
  2. At the top, select 'Claims’.
  3. Click the number behind 'Claim number’. Here you will see a summary of your claim and the documents added by you in relation to the claim. Under 'Documents’, you can see the documents added by you in relation to the claim. You can add additional information about your claim by clicking 'Uploaden documenten'.
  4. Under 'Correspondence’, you can see the communications about your claim.

In that case, please try to communicate certain details of the purchase to us as best you can. Such as: when did you buy the item, in which shop, what brand and type is it? Perhaps you can still find a bank statement showing the amount of the purchase.

The European accident statement is available for download here . You can print it and keep it in your car’s glove compartment.