If your car has been vandalised, file a police report as soon as possible. You will need your registration certificate and insurance policy details to do so.
Damage to your car due to vandalism
This is what is included in your car insurance in case of vandalism
Has your car been damaged by vandalism? We are sorry to hear that. Fortunately, our Third-Party Liability + Comprehensive Cover car insurance covers you in such situations. Read on to find out what you can do and how we can help you.
Damage to your car due to vandalism: how to file a claim
File a police report
File a claim
Also report your car damage to us. We will ask you for additional information, such as proof of charge (police report) and any photos of the damage.
Repair
You can have your car repaired through the ABN AMRO Claims Service. If you would like to know which repair shop you can use, visit the Schadegarant website. You can also contact a repair shop of your choice.
How we will help you when you incur car damage due to vandalism
We will be happy to help you settle the car damage. It is all tedious enough as it is.
- A dedicated point of contact who will answer any questions you may have
- Emergency assistance is available 24/7
- You will receive a courtesy car during the repair if you make use of the ABN AMRO Claims Service
- The ABN AMRO Claims Service also includes a 4-year guarantee on the repair
ABN AMRO Claims Service
You will not be required to pay an excess if your car is repaired by a body shop that we have chosen specifically for you. Only window replacement is subject to an excess of €75. There is always a body shop from the ABN AMRO network located near your place of residence. If you do not use the ABN AMRO Claims Service, you will be required to pay an excess of €150.
What is covered and what isn't
The Third-Party Liability + Comprehensive Cover includes:
- Damage caused intentionally by others
- Damage in case of (attempted) burglary
- Damage to your car on account of riots or other violence
The Third-Party Liability + Comprehensive Cover does not include:
- Damage incurred in a country that is not listed on the green map.
- Damage incurred before the start or after termination of your insurance
Frequently asked questions about car damage caused by vandalism
What is vandalism damage?
Vandalism is damage that is caused deliberately and without authorisation by a person. Think of punctured tyres, window damage or scratches. Damage incurred while parking or caused by another vehicle, for example, is not included in vandalism.
Does vandalism damage to my car affect my claim-free years?
Damage caused by vandalism to your car will in most cases lead to a reduction of 5 claim-free years. Your discount will decrease and you will pay a higher premium. This does not happen in the event of damage due to (attempted) burglary or theft. You keep the same number of claim-free years.
I don't know who did the damage to my car. Now what?
Always report vandalism to the police first and then report it to ABN AMRO. We will determine together how the damage can be repaired.
If the perpetrators are known, we can recover the damage from them. Is it not clear who did the damage? Then this affects your no-claim.
When do I pay excess?
Third-Party Liability Cover only covers damage you cause to other people and is therefore not subject to an excess.
With Third-Party Liability + Limited Cover and Third-Party Liability + Comprehensive Cover, you have an excess of €150 per occurrence in the event of a claim. If you have the damage to your car fixed through the ABN AMRO Claims Service, then this excess will lapse. This does not apply to window replacement, however, for which the excess is €75.
If your car is adequately secured, you do not have to pay an excess in case of theft, attempted theft, break-in or joyriding. The Motor Vehicle Certification Foundation has determined different security classes. If your car does not meet any of them, you will have an excess of 2.5% of your car's daily value and pay a minimum excess of €375.
If you have taken out the additional breakdown coverage and you get a temporary replacement car in case of damage, the rental company may have set an excess. Sometimes it is possible to reduce this excess for a fee.
Good to know
Roadside assistance
A dead battery, flat tyre or damage after an accident? It can happen to anyone. Fortunately, you and your car will not be stranded for long thanks to our prompt roadside assistance. If your car refuses to budge for whatever reason, we will provide you with a courtesy car to help get you back on the road as quickly as possible.
Fire damage to your car
It’s scary to see your car catch fire as a result of vandalism or collision. Fortunately, ABN AMRO’s Third-Party Liability + Limited Cover and Third-Party Liability + Comprehensive Cover policy plans offer good coverage for such situations. We help you by making arrangements for the repair of your car or by providing you with a courtesy car so that you can get back on the road as quickly as possible.
Theft and your car insurance
Having your car stolen or broken into and the contents or your personal items stolen can be a distressing experience. Fortunately, our Third-Party Liability + Limited Cover and Third-Party Liability + Comprehensive Cover offer good coverage for such situations. Read on to find out what you can do and how we can help you.