ABN AMRO car insurance
ABN AMRO offers car insurance in partnership with Nationale-Nederlanden, one of the largest insurers in the Netherlands. You take out and manage your policy entirely online through My ABN AMRO Insurance. ABN AMRO's online banking and app also work in English. To take out this insurance, you'll need an ABN AMRO bank account.
Compare car insuranceAbout ABN AMRO car insurance
ABN AMRO is one of the largest banks in the Netherlands, offering car insurance alongside products such as bank accounts, mortgages, home contents insurance and travel insurance. The car insurance itself is provided by ABN AMRO Schadeverzekering N.V., in partnership with Nationale-Nederlanden.
You take out ABN AMRO car insurance online and manage it through your personal account. You can also report claims and update your policy online, although customer service is available by phone if you prefer.
As with most providers, ABN AMRO offers three types of cover: third-party liability (WA), third-party liability + limited cover (WA beperkt casco), and third-party liability + comprehensive cover (WA volledig casco), also known as all risk.
Want extra peace of mind? You can extend your cover further with several additional options, such as passenger insurance or breakdown assistance.
Pros and cons of ABN AMRO car insurance
Is ABN AMRO car insurance available in English?
Yes, the insurance information, customer support, terms and conditions and European accident statement form are all available in English. The only exception is the online claims form, which is currently available in Dutch only. To submit a claim in English, call +31 (0)38 49 67 123 on weekday mornings, 9 a.m. to 12 p.m.
Do I need a BSN or Dutch bank account to take out this policy?
You need an ABN AMRO bank account to take out ABN AMRO car insurance. If you don’t have one yet, you can open one first.
To open an ABN AMRO account, you’ll need a BSN (Burgerservicenummer). Dutch banks are legally required to register your BSN for reporting to the tax authorities and the Depositogarantiestelsel.
You get a BSN automatically when you register with your local municipality, which you’re required to do within five days of moving to the Netherlands. Once registered, you can open an ABN AMRO account through the app in about 10 minutes, using just your ID and a selfie. If you haven’t received your BSN yet, you can add it later, and take out your car insurance once your account is active.
Manage your ABN AMRO car insurance online
“ABN AMRO’s car insurance works well for people who are comfortable managing everything online, through My ABN AMRO Insurance. But that convenience comes with a trade-off: customer support leans heavily on digital channels, so if you’d rather sort things out by phone or in person, that’s less straightforward here than with some other insurers.”
Jean-Paul Würsten,
Car insurance expert
Premiums table 2026
The table below shows the 2026 premiums, based on an average example profile. Curious about the costs for your own car? Fill in our comparison tool to find out which insurance suits your car and situation best.
| Premium* | Type of cover |
|---|---|
| € 59,34 | Third-party liability (WA) |
| € 62,92 | Third-party liability + limited cover (WA beperkt casco) |
| € 76,98 | Third-party liability + comprehensive cover (WA volledig casco / all risk) |
*These monthly premiums are based on car insurance for a Kia Rio (2014) for a 54-year-old driver from Amersfoort. The driver covers 10,000 kilometres per year and has five claim-free years. Latest update: 1-10-2026
Calculate your ABN AMRO premium
Several factors affect the premium for ABN AMRO car insurance, including your age, place of residence, car, claim-free years and annual mileage. The cover you choose plays a role too. Like most Dutch insurers, ABN AMRO offers three levels of cover: third-party liability (WA), third-party liability + limited cover (WA beperkt casco) and third-party liability + comprehensive cover (WA volledig casco), also known as all risk. You can also add optional extras, including passenger insurance and breakdown assistance.
Enter your details and car information into our comparison tool to calculate your premium instantly.
Basic cover with ABN AMRO car insurance
ABN AMRO offers three levels of car insurance cover: third-party liability, third-party liability + limited cover, and third-party liability + comprehensive cover. The table below shows what is covered under each level.
| What is covered? | Third-party liability | Third-party liability + limited cover | Third-party liability + comprehensive cover |
|---|---|---|---|
| Damage to other people or their property | ✓ | ✓ | ✓ |
| Theft or burglary | ✕ | ✓ | ✓ |
| Windscreen damage | ✕ | ✓ | ✓ |
| Storm or fire damage | ✕ | ✓ | ✓ |
| Damage caused by yourself | ✕ | ✕ | ✓ |
| Vandalism | ✕ | ✕ | ✓ |
Additional coverage options
With additional coverage options, you can add extra protection to your policy. ABN AMRO offers the following:
- Passenger insurance (schadeverzekering inzittenden / SVI): covers injury and material damage suffered by you and your passengers after an accident, including personal injury, damage to personal belongings and consequential damage. It pays out even if you’re at fault for the accident yourself.
- Breakdown assistance Netherlands (Pechhulp Nederland): get help if your car breaks down somewhere in the Netherlands, for example due to a flat battery or a punctured tyre. If your car can’t be repaired right away, a replacement car is included for up to 7 consecutive calendar days.
- Breakdown assistance abroad (Pechhulp Buitenland): planning a road trip abroad? This covers you across Europe, including a replacement car for up to 21 consecutive calendar days if repairs take longer than 24 hours. Note that the Netherlands itself isn’t covered under this option, so you’ll also need breakdown assistance Netherlands.
Claim-free years and the no-claims bonus ladder at ABN AMRO
In the Netherlands, your car insurance premium depends heavily on your claims history, more so than in many other countries. Stay claim-free for a year, and you build up what’s called a claim-free year (schadevrij jaar). Each one earns you a bit more discount on your premium.
The discount (no-claimkorting) is calculated using a no-claims bonus ladder (bonus-malusladder). Switch to a different insurer, and your claim-free years travel with you, though they don’t last forever. Most Dutch insurers only honour claim-free years for a limited period, often around 3 years, after your last policy ends.
No-claims bonus ladder
ABN AMRO uses a 21-step no-claims bonus ladder. The more claim-free years you have, the higher your discount. After 15 claim-free years, you receive the maximum discount of 80%. If you make a claim that isn’t recovered from another party, your discount usually goes down. Exceptions include glass damage and damage fully repaid by another party.
Second car scheme at ABN AMRO
The second car scheme lets you insure a second car at ABN AMRO without starting from scratch. Instead of building up your discount from scratch, the second car gets extra no-claims bonus (up to 70%) right away, based on your driving record with the first car. Build up your own claim-free years on the second car, and you can grow that discount up to 80%.
The discount applies as long as both cars are insured with ABN AMRO and the policies are held by the same person or by a partner living at the same address.
Conditions second car scheme ABN AMRO
Below are the specific conditions of the second car scheme at ABN AMRO. For general information about this scheme, see our page on insuring your second car (tweede auto verzekeren).
| Terms | ABN AMRO |
|---|---|
| Type of second car scheme | Nearly full |
| What discount do you receive? | No-claims bonus |
| Maximum discount | Up to 70% |
| Same discount as your first car | No |
| Second driver can build up claim-free years | No |
| All cars must be registered to one name | No |
| Cars must be registered at the same address | Yes |
| Policyholder or partner is a regular driver | Yes |
| Children living at home are eligible for the scheme | No |
*Additional note: the scheme does not apply to a policyholder with fewer than zero claim-free years (on the start date).
What Autoverzekering.nl does for you vs. what ABN AMRO does
When you take out ABN AMRO car insurance through Autoverzekering.nl, two parties are involved. We help you compare and choose, while ABN AMRO handles the insurance itself once you’ve decided.
Compare ABN AMRO car insurance
Wondering what ABN AMRO car insurance would cost you? Fill in your details, and compare its price, cover and terms directly against other insurers.
Klanten over Autoverzekering.nl
Filing a claim with ABN AMRO
The quickest way to report a claim is through the ABN AMRO Verzekeringen website, although the online claims form is only available in Dutch. Prefer English? Call ABN AMRO on weekday mornings, or fill in the European accident statement form, available in English. Once you’ve reported the damage, ABN AMRO will assess it and get in touch about next steps.
In an emergency, like an accident or breakdown, call the emergency assistance line on 026 400 23 45 (or +31 26 400 23 45 from abroad). It’s available around the clock, wherever you’re calling from.
Cancelling your ABN AMRO car insurance
You can cancel your ABN AMRO car insurance both online and by phone on 0900 00 24.
Contact details ABN AMRO
General insurance phone:
0900 00 24
Phone from abroad:
+31 10 241 17 20
Emergency assistance line:
026 400 23 45
Filing a complaint:
Not happy with ABN AMRO’s service? Submit your complaint to the insurer first. If you’re not satisfied with how it’s handled, you can bring your complaint to Kifid.
