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Is my car insurance valid abroad?

Do you go abroad often and do you wonder if your car insurance is also valid abroad? The coverage on your car insurance when you are abroad is good. However, there are some things you have to take into account when you go abroad with your car. Are you covered when you do not have the green card with you?

Your car insurance also applies abroad and offers coverage in the countries mentioned on the green card. In any case the insurer offers coverage in the countries within Europe. In most countries it is not necessary to have the green card with you. Please note that in a number of countries it is compulsory to have your original green card with you. Here, a copy is not allowed either. Please check beforehand in which countries the original green card is compulsory. On the green card you will also find an international phone number where you can get support after an accident. You will receive help from a Dutch-speaking employee of the insurer's emergency centre. You will receive help and instructions on how to proceed. They can for example arrange for the car to be towed away to a damage repairer. This is standardly arranged in a car insurance.

Car insurance abroad

When will I have to deal with foreign car insurance?

If you suffer damage to your car abroad, chances are that you will have to deal with a foreign car insurance company. It is not ideal for you to claim your damage from the foreign insurer. It has been thought about and it is likely that there is a representative of the foreign insurer in the Netherlands you can turn to for compensation of the car damage.

Do you have a breakdown on the road? In that case, you cannot call on the car insurance company. If you take out a foreign car insurance, you will not be reimbursed for these costs. However, if you have taken out additional roadside assistance insurance, you will of course receive support in the event of a breakdown en route. Please note that the breakdown assistance also applies to the country where you are at that time.

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Accident abroad - What to do next?

An accident abroad is something you would rather not have, but it can happen to you. The car insurance will probably cover you, but the insurer will impose some obligations on you. For example, you have to fill in a claim form together with the other party. To reduce the language barrier, these claim forms look the same everywhere. This makes it easier to fill in. From this the insurer can deduce who is liable for the accident and what the other party's details are.

Contact the insurer

On the green card is an international telephone number where you can get support after an accident. You will receive help from a Dutch-speaking employee of the insurer's emergency centre. You will receive help and instructions on how to proceed. They can for example arrange for the car to be towed away to a damage repairer. This is standardly arranged in a car insurance.

How do I contact car insurance abroad?

Are you involved in an accident abroad? Your car insurance will probably provide cover abroad. There are some obligatory things you have to do. You have to fill in a damage form, together with the other party. From this the insurer can determine who is responsible for the accident. A claim form looks the same everywhere, to make it easier to fill in.

When you have an all-risk car insurance, you can ask your own insurer to repair the damage. When you only have a car insurance with WA-coverage, your own insurer will not pay anything. Even when you have WA limited casco coverage on your car insurance, the damage to your own car will not be paid for. In that case the money has to come from (the insurer of) the person who caused the damage. For this you can also use your legal assistance insurance or a legal expenses insurance. If you do not have one of these insurances, you can hold the other party liable for the damage yourself. This means that you can claim from the other party's car insurance company.

What about breakdowns abroad?

In the event of a breakdown on the road, you cannot call on the car insurance company. You may have linked a breakdown assistance service to the car insurance. In that case you will of course get support. Please check if the breakdown assistance is also valid abroad.

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  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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