Nationale-Nederlanden car insurance
Nationale-Nederlanden, often shortened to NN, is one of the largest insurers in the Netherlands and part of NN Group. You can take out a policy directly with NN or through an intermediary.
Compare car insuranceAbout Nationale-Nederlanden car insurance
Nationale-Nederlanden (NN) is part of NN Group, an international financial services company active in ten countries. In the Netherlands, NN offers a wide range of insurance products, including car, home, travel and liability insurance.
Nationale-Nederlanden car insurance is available in three levels: third-party liability (WA), third-party liability + limited cover (WA beperkt casco) and third-party liability + comprehensive cover (WA volledig casco / all risk). Optional extras include motor legal protection, passenger insurance and breakdown assistance. You can manage your policy through Mijn NN or the NN app.
Like all Dutch insurers, NN is supervised by the Dutch Authority for the Financial Markets (AFM) and the Dutch Central Bank (DNB).
Pros and cons of Nationale-Nederlanden car insurance
Every insurer has its pros and cons. Here’s how Nationale-Nederlanden compares:
The insurer behind ABN AMRO and ING car insurance
“Did you know that Nationale-Nederlanden is also the insurer behind the car insurance offered by ABN AMRO and ING? While the policies are sold under different brand names, they’re all provided by Nationale-Nederlanden. Each brand sets its own premiums and policy conditions, so the policies aren’t necessarily the same.”
Jean-Paul Würsten,
Car insurance expert
Is Nationale-Nederlanden car insurance available in English?
Unfortunately not. The website, application process and policy documents are all in Dutch. If you contact customer service, you may be able to speak to someone in English, although English-language support is not officially offered.
Do I need to live in the Netherlands to take out this policy?
Yes. Nationale-Nederlanden only insures cars that are registered in the Netherlands. To apply, you’ll need to live in the Netherlands and your car must have a Dutch licence plate.
Premiums Nationale-Nederlanden car insurance 2026
Here’s what an average driver profile pays for Nationale-Nederlanden car insurance.
| Premium* | Type of cover |
|---|---|
| € 58,43 | Third-party liability (WA) |
| € 64,04 | Third-party liability + limited cover (WA beperkt casco) |
| € 74,62 | 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. Last updated: 1 October 2026.
Calculate your premium with Nationale-Nederlanden
The easiest way to find out what you’ll pay is to get a personalised quote through Autoverzekering.nl. Nationale-Nederlanden calculates your premium based on factors such as your car, postcode, age, annual mileage, claim-free years and chosen level of cover.
Enter your details in our comparison tool to compare your premium with other insurers in just a few minutes.
Basic cover with Nationale-Nederlanden car insurance
| 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
Alongside its standard cover levels, Nationale-Nederlanden offers three optional add-ons:
- Passenger insurance (SVI)
Financial protection for you and your passengers after an accident, regardless of who caused it. Cover includes personal injury, damage to personal belongings and other financial losses, up to € 1,000,000 per claim. - Motor legal protection (Rechtsbijstand)
Legal assistance for traffic-related disputes, including recovering damages from another party. The policy also covers the legal costs involved. - Breakdown assistance (Pechhulp)
Provides 24-hour roadside assistance if your car breaks down. Roadside assistance is available for the Netherlands, Europe, or Europe excluding the Netherlands.
Claim-free years and the no-claims bonus ladder at Nationale-Nederlanden
In the Netherlands, every year you drive without making a claim adds one claim-free year (schadevrij jaar) to your record. The more claim-free years you have, the higher your no-claims discount is likely to be.
If you’re switching from another Dutch insurer, your claim-free years are usually verified through Roy-data, the national database used by most insurers. Claim-free years earned abroad are assessed separately.
If you make a claim that cannot be recovered from the responsible party, you’ll usually lose part of your no-claims discount. Claims for glass damage, storm damage, theft, or damage recovered from the at-fault party don’t normally affect your claim-free years.
Nationale-Nederlanden’s no-claims bonus ladder
Dutch insurers use a no-claims bonus ladder (bonus-malusladder) to calculate your no-claims discount. Each claim-free year moves you up one step, while a claim that affects your claim-free years moves you down several steps at once.
Nationale-Nederlanden’s ladder has 25 steps. Drivers with no claim-free years already receive a 47% discount, while the maximum discount of 80% is reached after 20 claim-free years.
Second car scheme at Nationale-Nederlanden
Unlike some other Dutch insurers, Nationale-Nederlanden doesn’t apply the same no-claims discount to a second car as it does to the first (tweede autoregeling). Instead, each additional car or motorcycle insured within the same household receives a 5% premium discount.
The discount applies to up to four vehicles, as long as everyone is registered at the same address. This includes you, your partner and any children living at home.
Conditions discount for second car at Nationale-Nederlanden car insurance
The table below sets out the specific conditions of this discount:
| Terms | Nationale-Nederlanden |
|---|---|
| Type of second car scheme | Partial |
| What discount do you receive? | Package discount |
| Maximum discount | Up to 5% |
| Same discount as your first car | No |
| Second driver can build up claim-free years | Yes |
| 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 | Yes |
What Autoverzekering.nl does for you vs. what Nationale-Nederlanden does
Here’s how the responsibilities split once you’ve taken out a policy through us:
Comparing Nationale-Nederlanden to other insurers
Want to see how Nationale-Nederlanden compares? Enter your details in our comparison tool to compare premiums and cover from multiple insurers side by side. You can easily compare prices, cover levels and policy options in one overview.
Klanten over Autoverzekering.nl
Filing a claim with Nationale-Nederlanden
Report your claim through Mijn NN, where you can also track its progress. If you need immediate assistance after an accident, a breakdown or a medical emergency abroad, NN’s emergency service is available 24 hours a day on +31 26 400 23 90.
Cancelling your Nationale-Nederlanden car insurance
Cancel through Mijn NN, or call customer service on 088 663 0663 if you’d rather talk it through. Phone support runs weekdays from 8:30 a.m. to 5 p.m. Keep your policy details handy, since that speeds things up.
Nationale-Nederlanden contact details
Customer service phone:
088 663 0663
Emergency line:
+31 26 400 23 90
Managing your policy online:
Mijn NN or the NN app
