Q: We'll review your claim and give you a response within 5 business days.

What's covered by comprehensive insurance Any damage to your vehicle. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444. Your excess If you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll need to pay an additional excess of €150 for windscreen damage. For windscreen replacement and other damage, the additional excess is €400. You'll pay this excess in addition to the excess amount you selected when you took out your insurance. www.schadegarant.nl If you've opted for a voluntary excess, you'll need to pay the repair shop yourself. After your claim has been settled, we'll contact the third party to claim the damage and any excess. If we manage to fully claim the damage, your claim-free years won't be affected, and your premium will stay the same. What's covered by legal expenses cover If you report the damage to Nationale-Nederlanden, they'll forward your claim to DAS Rechtsbijstand. Or call DAS directly at 020 651 87 75 instead. No comprehensive cover and suffered damage caused by a third party: If you don't have comprehensive car insurance and ING legal expenses insurance with traffic cover, you can hold the third party's insurer accountable. You can also send the claim form to us, so we can help settle your claim.

Q: Caused an accident which lead to damage

What's covered by third party cover Any damage to a third party if you were responsible for the incident. Any damage to your car is only covered if you have comprehensive cover. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444. Your excess If you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll need to pay an additional excess of €150 for windscreen damage. For windscreen replacement and other damage, the additional excess is €400. You'll pay this excess in addition to the excess amount you selected when you took out your insurance. www.schadegarant.nl How your claim-free years may be affected If your claim is settled, the discount on your premium may change. You can choose to pay for the damages within 2 years after your claim was settled – this might be cheaper. Learn more about claim-free years

Q: Damage after a collision with an object

Damage covered by comprehensive cover For when you accidentally hit an object like a wall, safety barrier or street lamp post. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444. Your excess f you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll need to pay an additional excess of €150 for windscreen damage. For windscreen replacement and other damage, the additional excess is €400. You'll pay this excess in addition to the excess amount you selected when you took out your insurance. Damage covered by your third party cover Any damage to the object you collided with. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444. How your claim-free years may be affected If your claim is settled, the discount on your premium may change. You can choose to pay for the damages within 2 years after your claim was settled – this might be cheaper. Learn more about claim-free years

Q: Your car was intentionally damaged by somebody (vandalism)

Damage covered by comprehensive cover Damage caused by vandalism. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444. Your excess If you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll need to pay an additional excess of €150 for windscreen damage. For windscreen replacement and other damage, the additional excess is €400. You'll pay this excess in addition to the excess amount you selected when you took out your insurance. How your claim-free years may be affected If your claim is settled, the discount on your premium may change. You can choose to pay for the damages within 2 years after your claim was settled – this might be cheaper. Learn more about claim-free years

Q: Windscreen damage to your car

Damage covered by third party plus and comprehensive cover Windscreen damaged is only covered if you have third party plus or comprehensive insurance. How your claim-free years may be affected If your claim is settled, your claim-free years won't be affected, and your premium won't increase. Tip : You can turn to one of our glass repair partners via www.glasgarant.nl . Always bring your green card and policy number. You won't need to make an insurance claim first – you can contact a Glasgarant repair shop right away. If you choose a different repair shop, you'll pay an additional excess of €150 for windscreen damage. The additional excess is €400 for windscreen replacement and other damage. You'll pay this excess on top of the excess amount you selected when you took out your insurance.

Question 1

We'll review your claim and give you a response within 5 business days.

Accepted Answer

What's covered by comprehensive insurance
Any damage to your vehicle. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444.

Your excess
If you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll need to pay an additional excess of €150 for windscreen damage. For windscreen replacement and other damage, the additional excess is €400. You'll pay this excess in addition to the excess amount you selected when you took out your insurance.

www.schadegarant.nl

If you've opted for a voluntary excess, you'll need to pay the repair shop yourself. After your claim has been settled, we'll contact the third party to claim the damage and any excess. If we manage to fully claim the damage, your claim-free years won't be affected, and your premium will stay the same.

What's covered by legal expenses cover
If you report the damage to Nationale-Nederlanden, they'll forward your claim to DAS Rechtsbijstand. Or call DAS directly at 020 651 87 75 instead.

No comprehensive cover and suffered damage caused by a third party:
If you don't have comprehensive car insurance and ING legal expenses insurance with traffic cover, you can hold the third party's insurer accountable. You can also send the claim form to us, so we can help settle your claim.

Question 2

Caused an accident which lead to damage

Accepted Answer

What's covered by third party cover

Any damage to a third party if you were responsible for the incident.

Any damage to your car is only covered if you have comprehensive cover. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444.

Your excess
If you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll need to pay an additional excess of €150 for windscreen damage. For windscreen replacement and other damage, the additional excess is €400. You'll pay this excess in addition to the excess amount you selected when you took out your insurance.

www.schadegarant.nl

How your claim-free years may be affected
If your claim is settled, the discount on your premium may change. You can choose to pay for the damages within 2 years after your claim was settled – this might be cheaper. Learn more about claim-free years

Question 3

Damage after a collision with an object

Accepted Answer

Damage covered by comprehensive cover
For when you accidentally hit an object like a wall, safety barrier or street lamp post. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444.

Your excess
f you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll need to pay an additional excess of €150 for windscreen damage. For windscreen replacement and other damage, the additional excess is €400. You'll pay this excess in addition to the excess amount you selected when you took out your insurance.

Damage covered by your third party cover
Any damage to the object you collided with. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444.

How your claim-free years may be affected
If your claim is settled, the discount on your premium may change. You can choose to pay for the damages within 2 years after your claim was settled – this might be cheaper. Learn more about claim-free years

Question 4

Damage to your car caused by an unkown perpetrator

Accepted Answer

Damage covered by comprehensive cover
Any damage to your vehicle. Together, we'll review if the damage can be brought before the Dutch Motor Traffic Guarantee Fund (Waarborgfonds Motorverkeer). If they settle your claim, your claim-free years and premium won't be affected. You need to meet a few criteria in order for the Dutch Motor Traffic Guarantee Fund to settle your claim. www.schadezonderdader.nl. These are the most important criteria:

Report the damage to the police (online) within 2 weeks.
A witness who is able to attest the car was undamaged at the time of parking and was only later found to have been damaged after being left in the same spot without having been driven in the meantime.
The damage must have been caused by another vehicle.

Your excess
If you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll need to pay an additional excess of €150 for windscreen damage. For windscreen replacement and other damage, the additional excess is €400. You'll pay this excess in addition to the excess amount you selected when you took out your insurance.

Not covered
f you don't have comprehensive cover, this type of damage is not covered. You're free to check if your claim qualifies for settlement by the Dutch Motor Traffic Guarantee Fund at www.schadezonderdader.nl. Here, you'll also find an explanation about the Fund's criteria. If you have ING legal expenses insurance, DAS can help you review whether the Dutch Traffic Guarantee Fund will settle your claim. You can reach them at 020 651 87 75.

How your claim-free years may be affected
If your claim is settled, the discount on your premium may change. You can choose to pay for the damages within 2 years after your claim was settled – this might be cheaper. Learn more about claim-free years

Question 5

Your car was stolen or broken into

Accepted Answer

This type of damage is covered by third party plus and comprehensive cover.
Any damage to your car because it was stolen or broken into. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444. Your claim-free years won't be affected by this insurance claim, and your premium will stay the same.

Your excess
If you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll pay an additional excess of €150 for windscreen damage. The additional excess is €400 for windscreen replacement and other damage. You'll pay this excess on top of the excess amount you selected when you took out your insurance.

Not covered
Damage to your car because it was stolen or broken into is not covered by third party cover.

Question 6

Your car was intentionally damaged by somebody (vandalism)

Accepted Answer

Damage covered by comprehensive cover
Damage caused by vandalism. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444.

Your excess
If you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll need to pay an additional excess of €150 for windscreen damage. For windscreen replacement and other damage, the additional excess is €400. You'll pay this excess in addition to the excess amount you selected when you took out your insurance.

How your claim-free years may be affected
If your claim is settled, the discount on your premium may change. You can choose to pay for the damages within 2 years after your claim was settled – this might be cheaper. Learn more about claim-free years

Question 7

Windscreen damage to your car

Accepted Answer

Damage covered by third party plus and comprehensive cover
Windscreen damaged is only covered if you have third party plus or comprehensive insurance.

How your claim-free years may be affected
If your claim is settled, your claim-free years won't be affected, and your premium won't increase.
Tip: You can turn to one of our glass repair partners via www.glasgarant.nl. Always bring your green card and policy number. You won't need to make an insurance claim first – you can contact a Glasgarant repair shop right away. If you choose a different repair shop, you'll pay an additional excess of €150 for windscreen damage. The additional excess is €400 for windscreen replacement and other damage. You'll pay this excess on top of the excess amount you selected when you took out your insurance.