Special Conditions Car Insurance-All Risk

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1 Who is covered? This insurance is effective for all persons mentioned below. From now on: you. The person who closes this insurance. The person who has the car for his personal use (the owner according to the inspection papers). The person who holds the car but not for personal use: for example a mechanic. The person who drives the car (with permission of the owner). The persons who drive along. Where are you covered? This insurance is effective in Aruba, Bonaire and Curaçao. What are you insured against? Damage caused by your car to third parties. Injury to the driver of your car. Damage caused to third parties by a trailer connected to your car in a traffic situation. This might be a luggage wagon or caravan, if coverage was requested for these. Damage caused to third parties by a car you were towing, provided that you were complying with all regulations. Damage caused by your car to another car you own. Provided this other car is not a company car and is not insured elsewhere. Damage to third parties caused by freight falling from your car. Damage caused to your car by an uninsured driver (hit & run) for an amount not exceeding $ 5,600. We also cover damage due to one of the causes listed below. Also if your car is a total loss. Damage by fire or explosion. Damage by natural disasters Damage by lightning or short-circuiting. Damage by a collision with animals. Damage by joyriding, loss, theft or an attempt to steal your car. Damage by breakage of a windshield. Water damage (including inundation). Damage to your car you caused yourself. Damage while your car was parked. Other kinds of (accidental) damage to your car that was not caused intentionally. Damage by disturbances, riots, strikes, malice. Once only transportation expenses (towing). Did you transport a dog or a cat in your car? And were they injured in a traffic accident? Then we will compensate the medical expenses up to $ What are you NOT insured against? Wear and tear or lack of maintenance. Faulty parts and construction, without an accident.

2 What is your deductible amount? At the first claim: Cat. Value deductible amount Up to 10, and higher 279 At the next claim within 12 months of the last one: Cat. Value deductible amount and higher 1117 Is another person liable for the damage caused? And do we recover the damage from this person? Then the claim will not affect your deductible amount. Is the driver of the car younger than 21? In this case the deductible amount listed in the insurance policy will be increased with an additional deductible amount of $ 196. Did you obtain your driving license less than a year ago? In this case the deductible amount listed in the insurance policy will be increased with an additional deductible amount of $ 85. Maximum amounts for each claim The complete damage is covered, minus your deductibility. We compensate based on: - The purchase of new cars not older than 3 years. This if you are the first owner and you bought the car from a dealer and you were the first person to obtain a car inspection certificate for the vehicle. a. For all cars older than 3 years, the following depreciation percentages will be used, if a claim is entered within 60 months after the vehicle started to participate in traffic for the first time: b. Not older than 12 months 25% of the insured value. c. Not older than 24 months 20% of the value calculated under a. d. Not older than 36 months 15% of the value calculated under b. e. Not older than 48 months 10% of the value calculated under c. f. Not older than 60 months 10% of the value under d. - In all other cases the current value of the car with an additional 10%. The additional 10% will not exceed a maximum of $ 2.795,-. - A maximum of $ 1.395,- for built-in accessories. - A maximum of $ 140,- for medical expenses for your dog or cat, without any deductible.

3 Transportation replacement Was your car stolen or lost? In that case we spend 21 days to try and locate the car in the meantime you are entitled to replacement transportation (equivalent to the insured car) for a maximum of 14 days. In case of a total loss, replacement transportation (equivalent to the insured car) is insured for a maximum of 7 days. In case of repairs, replacement transportation (equivalent to the insured car) is covered for a maximum of 14 days. In all cases the insured amount will not exceed $ 560. Attention: Replacement transportation will only be compensated after agreement by our damage inspector. How will the damage to your car be determined and compensated? Based on the coverage you have chosen, we determine the damage and are allowed to pay the compensation directly to you. We use a specialist to determine the damage. If you want to use another specialist, you have to let us know in advance, we will pay their reasonable charges as far as they do not exceed the costs of our own experts. If we (you, we, or our specialists) cannot reach an agreement, the experts together will appoint a third expert. This one will stipulate an amount that is binding for you and for us. We compensate the costs of repair, where necessary based on original or equivalent parts. Is the difference between the value before the accident and the value of the remains after the accident, less than the cost of repair? Then it is a case of total loss. In case of theft, loss or total loss, we compensate based on: The purchase value of new cars not older than 3 years. This if you are the first owner and you were the first person to obtain a car inspection certificate for the vehicle. For all cars older than 3 years, the following depreciation percentages will be used if a claim is entered within 60 months after the vehicle started to participate in traffic for the first time: a. Not older than 12 months 25% of the insured value. b. Not older than 24 months 20% of the value calculated under a. c. Not older than 36 months 15% of the value calculated under b. d. Not older than 48 months 10% of the value calculated under c. e. Not older than 60 months 10% of the value under d. In all other cases the value of replacement. A specialist determines the value of replacement with an additional 10% for expenses, not exceeding $ An amount not exceeding $ 1.400,- for later built-in accessories. These accessories will be compensated based on the value of replacement. Total Loss: Is your car a total loss? Then we are authorized to confiscate the wreckage. Compensation will be settled only after you hand over the completely paid proof of insurance. In case of monthly payments we will deduct the remaining amount from the compensation.

4 How will the damage to your car be determined and compensated? Theft: Was your car stolen? In this case we will pay only if you comply with the following conditions: Your car is not found within 21 days after the notification. You have handed over the proof of your insurance or if this is inside the stolen vehicle, you have signed a document to transfer to us the property rights of the stolen car. If the car is found, you sign a document to transfer to us the property rights of the stolen car. The value of possible remains and the remaining compensation you will receive directly from us. If the car was financed, we will pay the compensation for the remaining debt to the financing institute. What are you NOT insured against? Not covered is damage: Caused during official and unofficial competitions where the car was used. Caused during rent, lease or use of the car as a cab. Incurred while the driver is unauthorized, for example: without a valid driver s license, withdrawal of driver s license, affected by alcohol, drugs or medicines, participation in criminal activities. Caused by use of illegal accessories, like NOS and turbo. Harm to equipment that is not incorporated in the car (including theft and loss). Incurred while the inspection papers are not in the name of the insured party. Caused intentionally or by recklessness or with your consent. Caused because (temporally) you (temporally) couldn`t use the car. Decreased value of the car, notwithstanding repair of the incurred damage. (In case of a total loss the damage specialist will determine the value after depreciation). Caused by other indirect problems following the damage incurred by the accident. Caused by confiscation of the car. Caused by special agreements like stipulations pertaining to guarantees, disclaimers and penalties. Neither will we compensate any damage that already is or will be reimbursed by virtue of the law or by another insurance in case you were not insured by us. If the driver fell asleep. Reclaim of compensation In some cases we are allowed to reclaim the compensation you received for your damage. We can do this in the following cases: While driving the car, the driver had used more alcohol than legally permitted. When the driver was not in the possession of a valid driver`s license. If the damage was caused intentionally or on instruction of the insured party. Because of another reason why the damage is not covered. If the driver fell asleep.

5 What do we mean by... Years without claim A year without any damage we call a no-claim year. In the course of some years you build an amount. Your premium will decrease as your amount of no-claim years increases. Principal driver The person who mostly drives the car. Current value The purchase value decreased with an amount for reduction of value for aging and wear and tear. Purchase value The amount necessary to buy the same or equivalent goods. Replacement value The amount necessary to replace your possessions with equivalent objects. Discounts & Surcharges Step Current premium Without claim With 1 claim With 2 claims % to step to step to step

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