Car Insurance Conditions

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1 Car Insurance Conditions The English translation has no legal force and is provided to the customer for convenience only. The conditions in the Dutch language shall be binding and prevail in all respects. The law of the Netherlands shall apply. The Shared Conditions for Insurance Packages also apply to this policy. The Shared Conditions for Insurance Packages and these Car Insurance Conditions shall form a whole. If and to the extent that there is any conflict between the Car Insurance Conditions and the Shared Conditions for Insurance Packages, the former shall prevail. In the event of any conflict between the General Conditions and the Special Conditions within the Car Insurance Conditions , the provisions of the Special Conditions shall prevail. Contents 1. General guidelines 2. General Conditions for Car Insurance 3. Special Conditions on Legal Liability 4. Special Conditions for Car Insurance 5. Special Conditions for Passenger Liability Insurance 6. Special Conditions for Legal Assistance Car Insurance 7. Special Conditions for Car Breakdown Insurance - Netherlands 8. Special Conditions for Car Breakdown Insurance - Abroad 1. General guidelines Notifying changes To notify any changes, questions or comments relating to your car insurance, you may contact ABN AMRO. Here are some examples of important changes which you must notify to us: - moving house - selling and/or buying another car - installing or removing an LPG installation - installing extra features (for example a tow bar or sunroof) in or on your car - staying abroad with your car for an uninterrupted period of 60 days or more - changes in your anticipated annual mileage. Repair service ABN AMRO has selected a number of car repair companies and reached the following agreements with them on your behalf: - except for replacement windows, no deductible is applied as standard if you have any insured damage repaired by one of these companies - you get a two-year guarantee on repairs carried out - any manufacturer s guarantees are taken over in full - where damage is covered, ABN AMRO will pay the relevant amount to the repair company directly, with a deductible for replacement windows of EUR 75 - while the insured damage is being repaired, you will be provided with a replacement car free of charge. You will only have to pay the cost of fuel. In the event of your car being declared a total loss, you will also receive free use of a replacement car for five days (immediately following the date of damage) - the nearest repair companies to you can be found on your Green Card (International Motor Insurance Certificate). Glass repair service ABN AMRO works together with a number of specialist window repair companies. In the event of damage to your windows, we advise you to use the services of these companies. No deductible will be applied if your windows are repaired by resin injection. Where windows are replaced, you pay only a deductible of EUR 75. If you have any window damage, telephone the number found on your Green Card. If you choose not to make use of a window repair company in partnership with us, compensation shall be limited to the amount the insurer would have paid had you gone to a repair company in partnership with us, and a deductible of EUR 150 shall apply. Reporting damage Any loss or damage must be reported immediately to ABN AMRO. To do this, use the telephone number on the Green Card. European Damage Report Form In the event of any loss or damage, you must complete the European Damage Report Form and send this to ABN AMRO. You should also ask any potential opponent to sign the form as well. Do not forget to complete the reverse side of the form and to add your own signature.

2 Car Insurance Conditions General Conditions for Car Insurance Article 1 Definitions Insured: 1 The policyholder 2 The owner, keeper, authorised driver and any passengers in the insured car 3 The employer of the insured referred to under 1 and 2 above, where the employer is liable pursuant to Article 6:170 of the Netherlands Civil Code (Burgerlijk Wetboek) for the loss or damage caused by the insured. The policy only covers the employer if the insured person who has caused the damage is entitled under the policy themselves. Car: The car identified on the policy schedule by marque and registration number including the extra features and accessories installed by the manufacturer and any LPG installation. List price: The value (including VAT, BPM [New Car Tax] delivery charge and disposal charge) of a new car of the same marque and type, in the same version and with the same equipment as new cars of this marque and type which were delivered at the time the car was first allowed on the road, according to the price list of the manufacturer, importer or dealer, plus any LPG installation present. New-for-old value: The list price, but as applicable at the time of the incident for which a claim is being made under this policy. Extra features and accessories: Any items, technical modifications or alterations to the bodywork not in the list price but fixed on or to the car and specifically belonging to the car, to the extent that these are usual in their nature and extent, such as for example a tow bar or sun-roof. Article 2 Scope of the cover 2.1 Insurance cover The insurance covers incidents occurring within the period of cover, and the consequences of these as described in the conditions noted on your policy schedule as being applicable. 2.2 Territorial limits The insurance covers the countries for which the International Motor Insurance Certificate (Green Card) issued by the insurer is valid. 2.3 Replacement car Insofar as the car is replaced in connection with repairs, servicing or maintenance, the insurance shall also cover for the same risks as for the insured car a similar replacement car not owned by the insured, with Dutch registration plates, providing that the replacement car is not covered by another insurance policy, whether or not this predates the present policy, or would be covered under such a policy if the present insurance did not exist. This provision shall apply for a maximum of 25 days from the first day of replacement. Article 3 ABN AMRO Emergency Service There is only an entitlement to these services if assistance is requested from the ABN AMRO Emergency Service immediately after the incident. 3.1 Assistance within the Netherlands If the car and/or trailer can no longer be driven/towed as a result of an accident, fire, theft or other external adverse event, or none of the passengers is able or allowed to drive the car as a result of the accident, the insured is entitled to assistance and to reimbursement of: - the costs of salvage and transportation of the damaged car and/or trailer to an address in the Netherlands designated by the insured - the costs of a taxi to take the driver, the passengers and their luggage to a single address in the Netherlands Assistance abroad If the car and/or trailer can no longer be driven/towed as a result of an accident, fire, theft or other external adverse event, or none of the passengers is able or allowed to drive the car as a result of the accident, the insured is entitled to assistance and to reimbursement of: - the costs of transporting the damaged car and/or trailer to an address in the Netherlands designated by the insured, if emergency repairs cannot repair the car or trailer sufficiently within four working days so that it is responsible from a technical point of view to undertake the journey or return journey, unless such transportation is not economically justified. In that case, the insured shall be entitled to the reimbursement of costs incurred for the import or destruction of the vehicle and the transport of luggage to a single address within the Netherlands - the costs of safeguarding, towing, salvaging and storing the car - the costs of transporting the driver and passengers to an address of choice in the Netherlands based on the cost of second-class train tickets plus the costs of taxis to and from the nearest railway stations. Article 4 Security sum Where the authorities in a foreign country require the provision of a sum of money as security before releasing an insured person from custody or returning an impounded car in connection with loss or damage covered under this policy, the insurer shall provide such security to a maximum of EUR 50,000.

3 Car Insurance Conditions The insured shall be obliged to authorise the insurer to access the sum provided as security as soon as it is released. The insured must also provide full cooperation in obtaining repayment of the sum. Article 5 Exclusions 5.1 Deliberate action The insurer will not compensate for any loss or damage which an insured person has caused, or which has been caused with his consent, with deliberate intent, conscious or unconscious recklessness or conscious or unconscious negligence, irrespective of whether the loss or damage has been caused to his own interests or (also) to those of one or more other insured persons. In this context, insured persons shall be understood to mean the spouse, registered partner, children and family members whose interests are included in the insurance, whether or not they are named in the policy as insured persons. 5.2 Nuclear reactions Damage as defined in the Shared Conditions for Insurance Packages. 5.3 Acts of war Damage as defined in the Shared Conditions for Insurance Packages. 5.4 Driving while unqualified Any loss or damage caused while the actual driver: - does not hold a valid driving licence as required by law to drive the car (and any attached trailer or caravan) - has been disqualified from driving by a court - does not comply with any regulations laid down by or by virtue of the law concerning qualification to drive the insured car. 5.5 Alcohol and similar Loss or damage caused while the driver of the car at the time of the incident was under the influence of alcoholic drink and/or any other narcotic or stimulant substance to such an extent that he/she would not be allowed by the law or by the authorities to drive the car. 5.6 Other use Loss or damage caused while the car was hired out, being used to carry passengers for payment or for giving lessons or other purposes than those stated to the insurer or allowed by law. Carrying passengers shall not include carrying passengers for payment between home and work (so-called carpooling), transport to or from sports events or similar. 5.7 Racing Loss or damage caused while taking part in any race or speed trial, except where this is a treasure hunt rally taking place entirely within the Netherlands, lasting no longer than 24 hours and in which the speed element is not predominant. 5.8 Off-road driving Loss or damage caused while the car is being driven, unnecessarily, in places where cars intended for daily use are not normally driven (for example in open country, or through water). 5.9 Unauthorised driver or passenger The liability of any person in the car without the permission of the policyholder or the driver authorised by the policyholder Items looked after Liability for loss of or damage to items transported in the car, except items that are part of the household contents of the passengers Injury to the driver Liability for physical or psychological injury suffered by the driver of the insured car Non-ownership Unless otherwise agreed in writing, no cover will be provided if the motor vehicle registration records of the Dutch Road Traffic Department (Rijksdienst voor het Wegverkeer) shows that at the time of the incident, neither the policyholder, nor his/her spouse, partner nor any child living with him/her was registered as the owner or keeper of the car. The exclusions under Articles 5.1 and 5.4 to 5.8 do not apply to a policyholder who can show that these circumstances arose without his/knowledge or against his/her will, and that he/she cannot reasonably be blamed for them. Where the policyholder is a business or institution, it may not rely on the fact that any person authorised by it to drive the car was not aware of an exclusion. Article 6 Settling claims The insurer will take on the task of settling claims and assessing the loss. The insurer is entitled to compensate directly any parties suffering loss or persons and/or instances otherwise entitled, and to reach settlements with them. Decisions taken by the insurer in this regard are binding on the insured. In the event of total destruction or loss of the car, the insurer will not pay compensation until (ownership of) the insured car or what remains of it, including any extra features or accessories to be compensated for by the insurer, has been transferred to the insurer or to a third party designated by it. Where requested by the insurer, the policyholder is obliged to pass all parts of the car s registration certificate and the keys, to the insurer or to a third party designated by it.

4 Car Insurance Conditions Where compensation is paid for any loss or damage pursuant to the Motor Insurance Liability Act (Wet Aansprakelijkheidsverzekering Motorrijtuigen /WAM) or any corresponding foreign legislation or any agreement, the insurer shall be entitled to recover the compensation and costs paid from the insured if no incident covered under this policy has taken place. A loss settlement agreement between insurers shall not affect this right of recovery. Article 7 Bonus/penalty scale The premium payable is partly determined by the relevant grading on the bonus/penalty scale. This scale consists of 20 grades. 7.1 Determining the initial bonus/penalty grade When the motor insurance is arranged, the relevant grade is determined on the bonus/penalty scale. This is done on the basis of the original insurance cancellation notice to be sent in by the policyholder. If the policyholder does not submit such a notice, the grade on the scale will be determined on the basis that no claim-free period applies. 7.2 From the start of the insurance until the first covered incident affecting the bonus/penalty grading If no loss or damage is reported that affects the scale (see Article 7.4) for a continuous period of 12 months from the start date of the insurance, then the grading will be increased by one grade on the scale on the next following premium due date, to a maximum of grade 20. This date is referred to as the bonus/penalty review date. As long as no incident of loss or damage is reported which affects the bonus/penalty grading, the grading will be increased by one grade on the scale at the end of each continuous period of 12 months since the last bonus/penalty review date, to a maximum of grade What counts as an incident affecting the bonus/penalty grading? The position on the scale is adjusted downwards after each incident where damage is caused, except if: - the compensation paid out is recovered in full - the compensation paid out cannot be recovered because of knock-for-knock agreements between insurers - compensation is paid for: a. the transport of injured persons under Article 2.2 of the Special Conditions on Legal Liability b. limited cover under Article 1.1.a of the Special Conditions for Car Insurance - the only claim was for assistance from the ABN AMRO Emergency Service under Article 3 of the General Conditions for Car Insurance - the only claim was for the cover described in the Special Conditions for Passenger Liability Insurance, Special Conditions for Legal Assistance Car Insurance, Special Conditions for Car Breakdown Insurance - Netherlands or Special Conditions for Car Breakdown Insurance - Abroad. 7.5 Driver under age 25 If the driver of the insured car at the time of the incident causing loss or damage was under 25 years old and the damage affects the bonus/penalty grading under Article 7.4, then the downgrading on that scale will be by one grade more than indicated on the scale. 7.3 After an incident affecting the bonus/penalty grading If the insurer determines under Article 7.4 that an incident resulting in loss or damage has occurred which gives grounds to change the grading, the adjustment will be made on the next following 26 th day of the month after this is determined. This date is then treated as the new bonus/penalty review date. The grading will be increased by one grade at the end of each continuous period of 12 months since the last bonus/penalty review date, to a maximum of grade 20, unless any loss or damage is reported which affects the bonus/penalty scale under Article 7.4. In that case the rule set out in the preceding paragraph shall be applied again.

5 7.6 Bonus/penalty scale Grade Percentage of premium payable Discount percentage of premium New grade after 12 months with. claims The insured shall be entitled to bear the costs of a claim submitted within the policy period in order to retain the accumulated no-claim discount. This right may only be exercised within 12 months of the determination that the compensation paid affected the grading on the bonus/penalty scale. Article 8 Changes in risk In the event of any change to the insured object accepted by the insurer and/or change in any other risk (e.g. age of driver, age of car, moving house) that relates to the insurance, the insurer shall be entitled to adjust the premium with immediate effect. Article 9 Suspension The insurance may be suspended at the policyholder s request if: - the car is not used for a continuous period of at least three months - after ownership of the car is transferred or the car is a total loss, no other car is immediately proposed for insurance. The insurance cover will only be restored once agreement has been reached between the policyholder and insurer to that effect. Article 10 Other insurance policies To the extent that compensation could be claimed under another insurance policy, whether or not predating the present policy, or on the basis of another law or provision, if the present policy had not existed, the cover under this policy shall only be valid and apply in the last place. Therefore only the loss exceeding the amount which the insured can claim elsewhere will be eligible for compensation. This provision does not apply to any passenger liability insurance opted for under this car insurance. 3. Special Conditions on Legal Liability These insurance conditions apply providing the policy schedule declares that they apply. Article 1 Third-party liability The insurance meets the provisions contained in the Motor Insurance Liability Act (Wet Aansprakelijkheidsverzekering Motorrijtuigen). Article 2 What is covered The insurance covers the liability of the insured for personal injury and property damage caused by or with the car within the territorial limits, including consequential loss, up to the maximum per incident stated in the schedule, for all the insured together.

6 Car Insurance Conditions Trailers Unless any other policy, whether or not predating the present policy, provides cover or would have provided cover had the present policy not existed, this insurance covers liability for loss or damage caused by or with: - a trailer, caravan or other object attached to the car, or set loose or becoming detached from the car, before it has come safely to a stop out of the traffic - another motor vehicle being towed by the car as a favour to a friend - items in or on the car, or falling out of or from the car other than during loading and unloading. Damage to the relevant trailer, caravan or other object/item is not covered. 2.2 Transport of injured persons Damage caused to the upholstery of the car by transporting free of charge persons injured as a result of a road traffic accident is also covered. 2.3 Damage to other motor vehicles belonging to the policyholder The insurance covers damage caused by the insured car to other motor vehicles owned by the policyholder as a result of a collision on a public highway or paved driveway. 2.4 Cover in excess of the sum insured If the incident takes place in a country within the territorial limits, where a higher maximum amount per incident is prescribed pursuant to legislation corresponding to the Motor Insurance Liability Act, that higher amount shall apply. Article 3 Legal costs and statutory interest Except where there is an entitlement to reimbursement from another source, the following will be reimbursed in addition to the sum insured: - the necessary cost of defending claims - the costs of legal proceedings pursued with the insurer s approval or at the insurer s request and the costs of legal assistance provided at the insurer s request - statutory interest on the part of the principal sum covered by the insurance. Article 4 Recovery - Where an exclusion applies pursuant to the conditions, and the insurer is liable to pay compensation pursuant to the Motor Insurance Liability Act or corresponding foreign legislation, the insurer shall be entitled to recover the amounts from the party to whom the exclusion applies. - The insurer may also make use of this right of recovery after the end of this insurance or cover. The insurer shall not make use of this right of recovery against the insured, if the damage was caused by a party other than the insured, and the insured person has complied with the obligations. Article 5 Obligations in the event of loss or damage The insured is under an obligation to refrain from making any admission or any other statement concerning liability, or paying damages in any form whatsoever. Only the insurer is entitled to do this. Article 6 What is not covered In addition to the exclusions set out in the General Conditions for Car Insurance, this policy does not provide cover for: - damage to the car itself - damage to items in or on the car or items being transported by the car - damage to items being used by the policyholder or the insured person with liability pursuant to a hire, loan or other agreement - damage for which persons are liable who have gained control of the insured car by theft or the use of violence or who, knowing this has happened, make use of the insured car without a valid reason. 4. Special Conditions for Car Insurance Article 1 What is covered 1.1 Incidents covered 1.1.a Limited cover If the schedule states that the cover is limited cover, the insurance also covers damage to or loss of the car within the territorial limits, where caused by: 1 fire, lightning, explosion or short circuit 2 items falling onto the insured car, as well as the overturning of the insured car, as a result of a storm storm meaning a wind speed of at least 14 metres per second (wind force 7) 3 hail, avalanche, falling rock, flooding, tidal wave, earthquake, landslide or volcanic eruption 4 collision with birds or loose animals (only damage caused directly by the collision) 5 loss of or damage to the insured car where caused exclusively by attempted or actual theft of or breaking into the car, or by misappropriation or fraud, or joyriding 6 damage to the insured car caused during a period when the car was alienated by theft, misappropriation, fraud or joyriding 7 riots 8 damage or loss during transportation of the car by ship, motor vehicle, train or aircraft, except for damage caused by hoisting or towing or damage such as scratches, scrapes or damage to paintwork 9 falling aircraft or aircraft parts or objects falling from an aircraft

7 Car Insurance Conditions breakage of glass in the windscreen, rear or side windows of the insured car, and damage to the insured car itself caused by the glass shards, except where the glass breaks or is damaged as a direct result of the insured car being in a collision, overturning, skidding, leaving the road or entering water. 1.1.b Comprehensive cover If the schedule states that the cover is comprehensive cover, the insurance will cover, in addition to the risks referred to in Article 1.1.a above, damage to or loss of the car within the territorial limits, where caused by: 1 any sudden external adverse event including collision, overturning, skidding, leaving the road or entering water, even where this is caused by an inherent defect in the insured car 2 malicious damage by third parties (including vandalism). 1.2 General average The insurance also covers the general average contribution required from the insured as a result of an incident covered under Article 1.1, where necessary in addition to the insured sum. 1.3 Extra features and accessories Extra features and accessories are covered as standard up to a value of EUR 750. If the value of the extra features and accessories is more than EUR 750, the excess will only be covered if this is notified to the insurer and noted on the schedule. Navigation equipment and visual and telecommunications equipment (except mobile telephones and radar-detecting equipment) installed later will only be covered if a working security system of at least SCM class 3 is installed. Article 2 What is not covered In addition to the exclusions set out in the General Conditions for Car Insurance and any exclusions noted on the policy schedule, this policy does not cover: 2.1 Reduction in value The insured car may have a reduced value despite being repaired, as a result of an incident covered by this insurance. Such reduction in value is excluded from the cover. 2.2 Car keys Loss or damage due to the theft or loss of the insured car: - if the insured failed, having become aware that the car keys had been stolen or were missing, to take adequate measures to prevent the theft or loss of the insured car by the use of the stolen or lost keys - if the insured left the car keys unattended - costs incurred to replace keys and locks are not covered. Car keys means any mechanical or electronic means by which the doors of the car may be opened and closed and/or its motor may be started. 2.3 Frost Damage caused by frost, unless this is a consequence of an incident covered by this policy. 2.4 Mobile telephones and radar-detecting equipment Loss of or damage to mobile telephones or radardetecting equipment, whether fitted as standard in the factory or installed afterwards, is never covered. Article 3 Compensation payable 3.1 Damage to car Where the car is damaged, the repair costs will be reimbursed. If the repair costs are more than the difference between the car s value immediately before the incident and the residual value, the difference will be paid. 3.2 Replacement of windows Where a window is replaced, the cost of replacing with a similar window will be reimbursed, plus the costs of repairing any damage caused by glass shards. The maximum reimbursement is the amount paid by the insurer to a (window) repair company in partnership with the insurer. 3.3 Total loss In the case of total loss, which includes theft, misappropriation or fraud, the value immediately before the incident will be reimbursed, less any residual value. 3.4 New-for-old and depreciation The rules below apply only to insured cars (not including taxis, hire cars, instruction vehicles, ambulances or courier vehicles) which were no more than 36 months old at the time of the incident and which were new at the time of receiving part I of the Dutch registration certificate. If the insured car is lost or the repair costs amount to over 2/3 of the values a. and b. as set out below, the insurer will reimburse the new-for-old value, after deduction of any reduction in value due to damage suffered by the car before the insured incident, where: a. if the loss or damage occurs within 12 months of the date of issue of part I of the Dutch registration certificate, the new-for-old value will be taken as the value immediately prior to the incident, plus the current value of the extra features and accessories where these are covered according to the schedule b. if the loss or damage occurs later than 12 months after the date of issue of part I of the Dutch registration certificate, the new-for-old value at the time of issue of part I of the registration certificate will be taken as the

8 Car Insurance Conditions value immediately before the incident, less 0.25% per 1,000 km driven in the insured car and less 1% per month from month 12 onwards, plus the current value of any extra features and accessories covered according to the schedule. The insurer will only pay out the compensation referred to under Articles 3.3 or 3.4 once (ownership of) the insured car or its remains have been transferred to the insurer or a single third party to be designated by the insurer, including any extra features and accessories to be reimbursed by the insurer. Furthermore, all parts of the registration certificate for the insured car and the keys must be handed over to the insurer or a third party to be designated by the insurer. If the insured car is no longer available as new at the time of the insured incident with regard to the marque, model, type, the new-for-old value will be taken as the last applicable new-for-old value indexed in accordance with the index figures from the (Dutch) Central Bureau of Statistics (CBS). 3.5 Valuation of extra features and accessories For extra features and accessories purchased by the insured as new and unused, for which the original purchase invoice can be submitted, the value shall be taken as the purchase price. A fixed deduction of 1.5% per month shall be applied to the purchase price for each full or part month elapsing between the purchase date and the date of loss or damage, to a maximum of 36 months after the purchase. After this period, the current value shall be reimbursed. If the age cannot be shown by providing the purchase invoice, the value shall be taken as the current value immediately before the incident. In order to determine the current value, a maximum newfor-old value of EUR 100 will be assumed per component, set or installation. The maximum compensation for a hands-free set is a total of EUR 100 including VAT. Article 4 Deductible 4.1 Standard deductible Unless agreed otherwise and stated on the policy schedule, a deductible for cars of EUR 150 per incident shall be applied to each payment of compensation for loss or damage covered under Article Deductible for damage to glass repaired by a glass repair service designated by the insurer Notwithstanding Article 4.1, where a window is replaced the deductible is EUR 75 per incident, provided a glass repair service designated by the insurer is used. Where damage to windows is repaired by resin injection, no deductible will be applied, provided a glass repair service designated by the insurer is used. 4.3 Deductible for repairs by a repair company designated by the insurer 4.3.a Deductible for damage to glass Notwithstanding Article 4.1, where a window is replaced the deductible is EUR 75, provided a repair company designated by the insurer is used. Where damage to windows is repaired by resin injection, no deductible will be applied, provided a repair company designated by the insurer is used. 4.3.b No standard deductible No standard deductible applies in relation to loss or damage covered under Article 1.1 except as under Article 1.1.a.10, if the car is repaired by a repair company designated by the insurer. 4.4 Deductible for damage to the car in cases of attempted or actual theft, break-in or joyriding - The applicable deductible for loss or damage covered under Article 1.1.a.5 is 2.5% of the list price of the insured car, exclusive of the value of any LPG installation, with a minimum of EUR 375 per incident. - Where damage is repaired by a repair company designated by the insurer, the deductible is reduced by EUR No deductible is applied where a security installation was present, of the class described on the policy schedule, approved by the insurer and functioning at the time of the incident. Article 5 Vehicle Crime Insurance Bureau The insured must inform the insurer as soon as he/she finds out that a car insured against theft is missing. The policyholder hereby agrees to the insurer reporting the car s details to the Vehicle Crime Insurance Bureau (VbV), so that private organisations recognised by the authorities can be engaged by the insurer to locate the insured vehicle. Article 6 Waiting period In the event of a total loss of the car as a result of one of the incidents referred to in Article 1.1.a.5, the insured shall only be entitled to compensation after expiry of a period of 20 days after informing the insurer, providing neither the insured nor the insurer is aware or could be aware that the car has been located. Furthermore, ownership of the car must have been transferred to the insurer. Article 7 Daily compensation From the first day that the insured car was no longer in the possession of the insured as a result of theft, misappropriation, joyriding or fraud, up to and including

9 Car Insurance Conditions the day on which the insured car is located, the insurer will pay EUR per day to a maximum of EUR Special Conditions for Passenger Liability Insurance These insurance conditions apply providing the policy schedule declares that they apply. Article 1 Definitions In addition to the definitions given in the General Conditions for Car Insurance, the following words shall (also) have the following meanings in relation to these Special Conditions: Insured A passenger in the car, including the driver, who is entitled to make use of the car as such. Passenger shall also mean anyone who suffers an accident while getting into or out of the car and anyone who gets out of the car en route in connection with a defect of the car, and who is in the immediate vicinity of the car. Accident A sudden physical force from an external source impacting directly upon the body, independently of the will of the insured, occurring in connection with the insured car being on the road, and causing injury or death. Injury A physical injury that can be medically established as to its nature and location according to objective criteria, to the extent that this injury results directly and exclusively from the accident. Beneficiary The insured is the beneficiary. On the death of the insured, compensation will be paid directly to the insured s estate. Article 2 What is covered The insurance gives an entitlement to compensation where the insured: - dies as a result of an accident - is partly or fully permanently disabled as a result of an accident. 2.1 Compensation on death a Entitlement to compensation In the event of death, there is an entitlement to compensation, providing that the death results directly and exclusively from the injury referred to in Article 1 and the death took place within two years of the accident. b Amount of compensation The full insured sum will be paid out after deduction of any payments already made under this policy for full or partial disability. c Age limits Where the insured at the time of the accident had not yet reached the age of 16 years, or had already reached the age of 70 years, a maximum of EUR 3,000 will be paid per insured. 2.2 Compensation on permanent disability Where the insured is left permanently disabled as a direct consequence of an accident, compensation will be paid based on a percentage of the sum insured for permanent disability. This percentage is equal to the degree of permanent functional disability without taking into account the occupation or hobbies of the insured. This percentage will be determined based on the last edition of the Guides to the Evaluation of Permanent Impairment of the American Medical Association (AMA) and the supplements to this used by the Netherlands Neurological Association (Nederlandse Vereniging voor Neurologie) and the Netherlands Orthopaedic Association (Nederlandse Orthopedische Vereniging). No more will be paid out in total for several accidents together than the sum insured for total permanent disability. If the permanent disability is the result of damage to the cervical spine as a result of whiplash syndrome, the compensation percentage is limited to a maximum of 5%. For as long as the degree of disability cannot be definitively ascertained, the insurer shall be entitled to postpone determination of the compensation until a maximum of two years after the accident. Article 3 Obligations of the insured after an accident 3.1 Reporting the accident The insured is under an obligation to report any accident that may lead to the payment of compensation under this insurance to the insurer as soon as possible. A precise description of the accident must be submitted, where possible stating the causes and the consequences. If the insured has died because of an accident, then the report must be made within 48 hours, preferably by telephone. 3.2 Obligations of the insured after an accident a The insured is under an obligation to obtain medical treatment as soon as possible after an accident and to cooperate fully in his/her recovery. b The insured is under an obligation to provide the insurer or a doctor designated by the insurer with all information requested, faithfully and in full. This shall apply even where the insurer regards an expert medical opinion as necessary in order to determine the compensation percentage. c Beneficiaries are under an obligation to consent to and cooperate with all measures deemed necessary by the insurer in order to ascertain the cause of death. The insured is under an obligation to inform the insurer in writing within 180 days of the accident of whether or not they may become permanently disabled as a result of the accident. If the insured cannot say this themselves

10 Car Insurance Conditions with any certainty, they must consult the treating doctor on this. If this doctor cannot say with any certainty whether or not the insured will be permanently disabled within 180 days, this must be notified to the insurer, similarly within 180 days of the accident. In consultation with the treating doctor, the insurer will then extend the period of 180 days. The insured or other person with an interest must also cooperate with measures deemed necessary by the insurer in order to ascertain the cause of death and/or permanent disability. The insurer is entitled to refuse to pay compensation if the obligations set out in Article 3.1 and 3.2 are not complied with. Article 4 Proportionate compensation Compensation will be paid for a maximum of eight passengers, including the driver, per accident. If the number of people in the car is more than eight, the compensation will be reduced proportionately. Article 5 What is not covered In addition to the exclusions set out in the General Conditions for Car Insurance and any exclusions mentioned on the policy schedule, the following are excluded from cover: - Passenger seats - Accidents suffered by people not sitting in the normal approved seats. 6. Special Conditions for Legal Assistance Car Insurance These insurance conditions apply providing the policy schedule declares that they apply. Article 1 Definitions In addition to the definitions given in the General Conditions for Car Insurance, the following words shall (also) have the following meanings in relation to these Special Conditions: Insured a The policyholder b Those authorised to be in the car as driver and passengers c The surviving dependants of the insured referred to above, where the insured died as a result of an accident for which there is an entitlement to legal assistance. Car The car described on the policy schedule, as well as any trailer or caravan which was linked to the car at the time of the incident or broke free or became unlinked from it shortly before. Incident Each event which was unexpected and not foreseen on entering into the insurance agreement. A series of related events shall be treated as one incident, which shall be deemed to have taken place at the time of the first event in the series. Waiting period Waiting period shall mean a period of three months from the start date of the insurance. The waiting period shall apply in all cases unless the claim for legal assistance concerns: - making claims against a third party who is legally liable - criminal or disciplinary proceedings - contractual disputes, if the contract was entered into after the start date of the insurance - if this insurance was arranged immediately following a similar policy which would have provided cover for the incident reported. ARAG The insurer has assigned the task of carrying out this insurance contract to [the legal assistance insurer] ARAG-Nederland, Algemene Rechtsbijstand Verzekeringsmaatschappij N.V., hereinafter referred to as ARAG in these Special Conditions. The insurer guarantees performance by ARAG of the obligations set out in these special conditions. Article 2 Replacement car This insurance shall also apply to any car of equivalent value replacing the car and not belonging to the policyholder. The car replaced must be temporarily unavailable for repairs, overhauling or similar at the time. Article 3 What is covered Legal assistance shall mean: investigating the incident reported by the insured and its legal consequences at the insurer s expense, giving advice on the matter and taking any necessary legal or other measures. In case of doubt as to whether the incident reported by the insured will result in a legal dispute, the insured must show that there is a legal dispute by submitting an expert report definitively stating the cause, the party responsible and the actual consequences of the incident. If the report gives sufficient grounds for legal action, the insurer will reimburse the costs. There is an entitlement to legal assistance if during the term of the insurance contract, an unforeseen incident occurs through which the insured becomes party to a legal dispute which is covered under this legal assistance insurance. For all policies, including legal assistance policies, only uncertain events can be insured. There is therefore no entitlement to legal assistance if the insured knew or ought reasonably to have been able to predict, on arranging this legal assistance insurance, that something might happen which could lead to a legal dispute. In such

11 Car Insurance Conditions a case the insurer must however show that the insured knew this or could have predicted it. 3.1 Legal assistance In relation to incidents where the insured is involved as the owner or driver of or a passenger in the insured car, legal assistance will only be given in relation to: a Assistance in recovering damages where the insured wishes to pursue claims for damages against third parties with legal liability b Assistance in contractual matters where the insured wishes to be assisted in disputes with a BOVAG or FOCWA company registered in the Netherlands or a recognised dealer about a purchase, repairs or compensation for loss or damage caused by a collision c Assistance in criminal matters where the insured is prosecuted for an offence, in principle there is no entitlement to legal assistance. However the insurer will reimburse any costs incurred by the insured if the latter is acquitted or the prosecution is discontinued. In such a case, the insured must report the matter within one month after the court s judgement or notification by the prosecutor. The insurer can then recover the costs of legal assistance from the State. In certain criminal cases, where the charges involve criminal liability for death or injury, legal assistance will be given, regardless of the outcome of the proceedings, if the insured wishes to be assisted in criminal proceedings against him/her, in the investigation and in relation to all measures taken against him/her. d Representing interests - where the insured s driving licence is demanded by an authority competent to require it, outside criminal proceedings - where the insured wishes to have his/her interests represented in relation to measures taken by the authorities against him/her personally in connection with withdrawal of his/her driving licence or seizure of the car. 3.2 Insolvency If it turns out in the context of an action for damages after a road traffic accident caused in the Netherlands, that the loss suffered cannot be recovered from the third party legally liable and resident in the Netherlands because of that party s insolvency, the insurer will compensate the insured for the material damage to the insured goods to a maximum of EUR 650 per incident, unless the insured can obtain compensation elsewhere. 3.3 Insured costs a Except as provided in paragraph b, the insurer shall bear the expense, without limit, of the following costs per incident reported: - the costs of advice and assistance by ARAG s own experts (internal costs), ARAG being the party to which the insurer has assigned the task of carrying out this insurance agreement - the costs of a lawyer from ARAG-Advocatennetwerk or a lawyer outside that network - your part of the costs of mediation (a form of dispute resolution involving an independent expert mediator) where an attempt is made to resolve a dispute by mediation - the costs of an external expert engaged in consultation with the insurer/arag and the costs of the measures taken on that expert s instructions in consultation with the insurer - court registry fees and the costs of witnesses and experts called on behalf of the insured - the legal costs of the insured and the other party, where the latter s costs are payable by the insured pursuant to a final court judgement - the costs of enforcing a judgement over a maximum period of five years from the judgement becoming final - necessary travel and accommodation costs of the insured where that person s personal appearance before a foreign court is ordered by a judge or is urgently required by an external expert on behalf of the insurer. b The following expenses shall not be payable by the insurer: - VAT, insofar as the insured can set this off against VAT amounts owed by the insured - any costs which the insured can recover or get reimbursed by third parties, with the exception of any entitlement pursuant to the Legal Assistance Act (Wet Rechtsbijstand aan On- en Minvermogenden, WROM). Insofar as such costs are paid by the insurer, the insured must reimburse the insurer after receiving these from third parties. c Costs ordered to be paid by the other party pursuant to a court judgement, arbitrator s decision or binding opinion, shall be receivable by the insurer. d In the event of partial cover and/or where the policyholder is taking proceedings together with other interested parties, the external costs of legal assistance shall be reimbursed proportionately. e The costs of legal assistance shall not include fines, penalties and periodic penalty payments imposed on the insured. 3.4 Territorial limits a Legal assistance will be given for the pursuit of claims against a third party with legal liability, and for criminal cases, where the case can be submitted to the courts in the country referred to on the Green Card (International Motor Insurance Certificate), according to that country s national procedural law, and the law of that country is applicable. b For all other disputes, legal assistance will be granted if the dispute reported can be submitted to the courts in the Netherlands in accordance with Dutch procedural law, and Dutch law is applicable.

12 Car Insurance Conditions c The insured is not entitled to the enforcement of a judgement: - outside the countries referred to on the Green Card, in relation to the cases referred to in paragraph a - outside the Netherlands in other cases. d Outside the countries referred to on the Green Card, no legal assistance will be provided, nor are proceedings before any international or supranational court covered. 3.5 Franchise There is no entitlement under the insurance for cases where the financial interest concerned amounts to less than EUR 150. This limitation shall not apply to road traffic and criminal cases. 3.6 Deposit In cases where a foreign authority requires payment of a deposit, the insurer may be requested to advance the deposit. The insurer will provide this deposit on terms to be agreed individually, to a maximum of EUR 50,000, as an interest-free loan. 3.7 Liability insurance The insurer shall not be obliged to provide legal assistance, if the insured can make a claim on liability insurance in order to obtain legal assistance in the dispute reported. 3.8 Persons entitled The policyholder cannot claim under the policy if he/she has a conflicting interest with another policyholder under this policy. A co-insured person cannot claim under the policy without the policyholder s permission (in the event of a conflicting interest with the policyholder or another co-insured person). Article 4 Insured motor vehicle Entitlement to legal assistance in disputes concerning a car is restricted to: 1 a car referred to on the schedule, which may be driven with a driving licence of category B or B-E 2 a similar car replacing the car mentioned in the preceding paragraph because that car is temporarily unavailable due to repairs or overhaul. The replacement period may not be longer than 30 days in total. 3 a caravan or trailer belonging to the policyholder and attached to the car referred to in Article 1 or becoming detached from it, provided the combination of these may be driven with a driving licence of category B or B-E. Article 5 What is not covered In addition to the exclusions set out in the General Conditions for Car Insurance, this insurance does not provide cover for: 5.1 Disputes with the authorities concerning: a tax law or related disputes including import and excise duties, dues, charges and other levies b laws or rules law established or intended to be established by the authorities or by foreign authorities as binding on all citizens (so-called generally binding rules of law). 5.2 Financial disputes Disputes relating to or connected with insolvency, bankruptcy or a suspension of payments in relation to the insured. 5.3 Unqualified driver Any incident taking place while the insured is driving a vehicle without being (legally) qualified to do so, or using it to participate in or train for trials and contests of speed or skill. 5.4 Disputes a arising during or resulting from the business or other exploitation of the car, for the purposes of e.g. a hire car, taxi, courier or instruction vehicle b concerning the ownership, purchase or guarantee of a used car as referred to in Article 3.1.b, where the insured has bought the car without a BOVAG guarantee or written guarantee from a recognised dealer. 5.5 Wrongful act Defending an action brought on grounds of wrongful act. 5.6 No legal assistance Nor shall the insurer be obliged to provide legal assistance or to reimburse costs where: - a lawyer or external expert has been engaged without the prior express permission of the insurer - the matter concerns obligations arising out of suretyship, novation, cession or subrogation - the dispute is reported so late that it is significantly more difficult or more expensive to deal with it - you provide incorrect information or fail to cooperate in dealing with the case as required. 5.7 Late reporting The entitlement to legal assistance will lapse where the matter is not reported within three years of the incident which could result in the insurer having an obligation to provide legal assistance. Article 6 Reporting the matter 6.1 Reporting a dispute Should you become involved in a legal dispute, you must contact ABN AMRO as soon as possible. Even if you are in doubt about whether you should report a dispute, it is sensible to consult with ABN AMRO. This allows us to assess whether the matter should be passed on to ARAG.

13 Car Insurance Conditions When reporting a dispute, it is important to state all the facts that might be relevant to assessing and dealing with the matter. This is necessary for ARAG to give you the best service. ARAG may ask you for additional information or evidence. It is best to keep original documents in your possession as far as possible. You can send copies to ARAG. If ARAG needs original documents to deal with the matter, they will be returned to you immediately after use. 6.2 Preventive action Even if there is no specific legal dispute as yet, but there may be one in the near future, ARAG can help you to prevent a dispute. 6.3 Assessing cover and intake When you report a dispute, a check will first be carried out to see whether your insurance covers this. ARAG will contact you as soon as possible (save in exceptional circumstances). 6.4 Dealing with your case Legal assistance will be provided by an expert staff member at ARAG. He/she will act for you in relation to the people and organisations involved and will negotiate with the other party. If necessary, he/she will also conduct legal proceedings on your behalf. ARAG may suggest engaging a lawyer from the ARAG- Advocatennetwerk. This would be a lawyer from a firm near you, who has an agreement with ARAG. The ARAG -Advocatennetwerk consists of law firms specially selected for their expertise and customer focus. This allows ARAG to guarantee that your interests will be represented as well as possible. If you agree to this proposal, ARAG will send the papers on to the lawyer. The lawyer will contact you within two working days. The lawyer will always consult with you directly. If you do not agree to the matter being dealt with by a lawyer from the ARAG-Advocatennetwerk, an ARAG staff member will handle it. There are two sets of circumstances in which you can choose a lawyer yourself, including a lawyer outside the ARAG-Advocatennetwerk if you prefer, as provided in Article 60 of the Insurance Industry (Supervision) Act (Wet Toezicht Verzekeringsbedrijf): 1 If a lawyer or other legally qualified expert is requested to defend, represent or promote your interests in judicial or administrative proceedings, you are entitled to choose the lawyer or other legally qualified expert yourself. In practice, ARAG will only engage a lawyer on your behalf if procedural steps have to be taken for which representation by a lawyer is required. 2 If both you and the other party are entitled to legal assistance from ARAG (conflict of interests). The lawyer or other expert will be engaged exclusively by ARAG on your behalf. In a case where a Dutch court has jurisdiction, only those lawyers or other experts will be eligible who are authorised to take the necessary steps and who are registered and have a place of business in the Netherlands. In a case where a foreign court has jurisdiction, only those lawyers or other experts will be eligible who are registered with the relevant foreign court. ARAG prefers to be kept informed about the case, in order to monitor the costs and progress. The easiest way is for you to authorise the lawyer to inform ARAG of progress on your case. 6.5 The scenario and reasonable chance of success The ARAG staff member or the lawyer will consult with you on how to approach the case. This plan will involve an analysis of the case and if possible, a scenario with the steps to be taken. The plan also indicates whether the result desired by you is reasonably likely to be achieved. If developments in the case make it necessary, a different or adjusted plan will be drawn up. Here too, you will be consulted. 6.6 Buying off In some cases, as the matter is dealt with there may be a lack of proportion between the costs of dealing with the dispute, and the financial or other interests at stake. In such a case, ARAG may decide to bring the matter to an end by compensating you. As a result, ARAG will no longer be under an obligation to provide you with (further) legal assistance. Article 7 Differences of opinion on dealing with the case/different vision on the approach ARAG guarantees the quality of the work done to deal with your case. However, it may happen that you cannot agree with ARAG on the legal steps that should be taken. There may also be a difference of opinion on the question of whether there is a reasonable chance of achieving the result you wish. If it is not possible to resolve this difference of opinion, it is important to resolve the situation well and carefully, without you suffering any disadvantage. In such cases, ARAG will therefore engage a recognised, independent expert to act as an arbitrator (in legal terms, a binding adviser) and give an opinion on the difference of opinions. In practice, the local Dean of the Bar Association (Orde van Advocaten) is asked to designate an expert, independent lawyer as arbitrator. The decision reached by that lawyer will be binding for both you and ARAG. The costs of the arbitrator s work are borne by ARAG.

14 Car Insurance Conditions If the arbitrator agrees wholly or mainly with ARAG, then the matter will continue to be dealt with by ARAG as proposed earlier. However if you want to continue the matter in accordance with your own views, ARAG will send you the documents and you can deal with the case or have it dealt with at your own expense. If you succeed in achieving the result you wanted, ARAG will reimburse the insured costs of legal assistance to you afterwards. If the arbitrator agrees with your opinion, you have a free choice as to who should deal with the matter further in accordance with your views. The arbitrator is not allowed to take on the case, nor is any member of the arbitrator s office. These rules also apply if the matter is dealt with by a lawyer from the ARAG-Advocatennetwerk. If your case is dealt with by a lawyer outside the ARAG- Advocatennetwerk, the following will apply. If you are not satisfied with the lawyer s conduct of your case, you can continue the case with the help of another lawyer. The costs of doing this are for you to pay. If you succeed in achieving the result you wanted, ARAG will reimburse the insured costs of legal assistance to you afterwards. Article 8 Disputes about this insurance Any disputes about this insurance shall be governed by the arrangement specified in the Shared Conditions for Insurance Packages. You cannot claim under this insurance for such disputes. If the court finds that you are in the right, the insurer will reimburse you for the costs of legal assistance afterwards. 7. Special Conditions for Car Breakdown Insurance - Netherlands These insurance conditions apply providing the policy schedule declares that they apply. Article 1 What is covered There is only an entitlement to assistance if the insured has contacted the ABN AMRO Emergency Service in advance. This will be the case if the car comes to a standstill within the Netherlands due to an insured incident, and it is impossible or would be irresponsible to drive on. An insured incident means a mechanical or electrical failure or some other external adverse event. At the beginning of the journey, the incident was still an uncertain event, and as a result of the incident, help is needed. Assistance will be organised by the ABN AMRO Emergency Service, and may consist of: 1.1 Emergency repairs Temporary or other repairs to the car, allowing the journey to be continued. The insured must pay the service staff in cash for any replacement parts for the insured car, fuel supplied and similar. 1.2 Transport Where it is not possible to repair the car on the spot by emergency repairs, and it is technically impossible or would be irresponsible to drive on in the car, there is an entitlement to transport for the car and any trailer, the driver and passengers to the nearest repair garage or to another address in the Netherlands. The driver and passengers will in principle be transported together with the car. If this is not possible, the driver and any passengers shall be entitled to transport by taxi if the distance to be covered is less than 50 kilometres. In all other cases, compensation will be paid based on the cost of second-class public transport. 1.3 Replacement car The service will provide a replacement car if it is not possible to repair the mechanical or electrical fault within 24 hours. The fuel costs are payable by the insured. The replacement vehicle will be made available for a maximum of three working days plus any intervening Saturdays, Sundays or public holidays. Article 2 What is not covered In addition to the exclusions set out in the General Conditions for Car Insurance and any exclusions noted on the policy schedule, there will be no entitlement to assistance: - if the insured ought reasonably to have been able to predict before beginning the journey that it would be necessary to call for assistance - if the insured car has no MOT certificate at the time of the insured incident although such a certificate is required - if the loss or damage is the result of the vehicle being in such a state of maintenance and/or overloading that it was reasonably predictable that it would break down. - for a previously noted fault, for which assistance was provided, and which was not subsequently expertly repaired. Article 3 Conditions of transport Towing and salvage companies will apply the General Salvage and Transport Conditions (Algemene Bergingsen Vervoerscondities) for stranded vehicles. These state among other things that when the car is delivered, any externally observable damage as a result of the transportation must be reported immediately to the towing or salvage company. Any damage not externally observable must be reported within three days.

15 Car Insurance Conditions Special Conditions for Car Breakdown Insurance - Abroad These insurance conditions apply providing the policy schedule declares that they apply. Article 1 Definitions In addition to the definitions given in the General Conditions for Car Insurance, the following words shall (also) have the following meanings in relation to these Special Conditions: Luggage The items taken with the insured, to the extent that these consist of normal luggage or camping equipment. Property damage Property damage means serious damage to the insured s home or household contents in the insured s capacity of owner or tenant. Family circumstances Family circumstances means the serious illness or death of the lawful spouse/registered partner, family member in the first or second degree or cohabitee under a cohabitation agreement. Article 2 What is covered There is entitlement to the following, but only if the insured has contacted the ABN AMRO Emergency Service in advance and the car has broken down during a journey of less than 60 consecutive days in one of the countries referred to on the Green Card (International Motor Insurance Certificate): 2.1 Assistance after mechanical failure - If the car and/or trailer can no longer be driven as a result of mechanical or electronic failure or another external adverse event, the insured will be entitled to assistance. This assistance consists of repairs, whether or not temporary, to the car to a maximum of EUR 125 per incident, so that the journey can be continued or the car can be taken to the nearest garage. The costs of parts will not be eligible for reimbursement. Nor will the costs of repairs be reimbursed if repair takes place at the garage. - The insurer will act on behalf of the insured to order and dispatch parts necessary to make it possible to drive the car and/or trailer, if these parts are not available on the spot, or not at short notice. All costs advanced by the insurer in connection with the assistance given and not covered under the present insurance, are payable by the insured. Where the amounts exceed EUR 750, a payment in advance may be required. If the car or trailer cannot be repaired within four working days sufficiently to allow the journey or return journey to take place in a technically responsible manner, the insured shall be entitled to reimbursement of: - the costs of transporting the damaged car and/or trailer to an address in the Netherlands to be designated by the insured. In that case, the insured shall be entitled to reimbursement of the costs paid to import or destroy the car and transport the luggage to the Netherlands or the destination - the costs of safeguarding, towing, salvaging and storing the car - the costs of transporting the driver and passengers to a place of their choice in the Netherlands or their destination based on second-class train tickets, plus the costs of transport by taxi to and from the nearest railway station. 2.2 Replacement driver The insurance covers a replacement chauffeur to drive the car back, whether or not with accompanying trailer and/or passengers, if the vehicle is technically in good condition and: - the driver is unavailable due to death, serious illness or accident, or has to return to the Netherlands leaving the car behind in connection with family circumstances or property damage, and none of the passengers is in a position to or authorised to drive the car - the car has been left behind, while the driver and any passengers have been evacuated in connection with a natural disaster or other calamity - the car is being repaired on the spot and the repair period has continued due to unforeseen circumstances so that it will last longer than four working days, while no insured person is able to await repairs. The car will be driven back after the insured has paid the costs of repairs. - the car has been left behind on the spot because transport by ferry was not possible due to a lengthy strike or other calamity and the insured needed to return to the Netherlands urgently. The costs of the chauffeur will be borne by the insurer. The costs relating to the car such as fuel, repairs, toll fees and ferry charges etc. will be charged to the policyholder afterwards. All necessary documents (registration certificate, Green Card, MOT certificate where required) must be present in the car. Any fines based on the absence or invalidity of the required documents or any failure to comply with the legal requirements in relation to the car shall be payable by the policyholder. If no passengers will be present on the journey, the insurer may decide to repatriate the car by car carrier. Article 3 What is not covered In addition to the exclusions set out in the General Conditions for Car Insurance and any exclusions noted on the policy schedule, there will be no entitlement to assistance: - if the insured ought reasonably to have been able to predict before beginning the journey that it would be necessary to call for assistance - if the insured car has no MOT certificate at the time of the insured incident although such a certificate is required

16 Car Insurance Conditions if the loss or damage is the result of the vehicle being in such a state of maintenance and/or overloading that it was reasonably predictable that it would break down. Article 4 Conditions of transport Towing and salvage companies will apply the General Salvage and Transport Conditions (Algemene Bergingsen Vervoerscondities) for stranded vehicles. When the car is delivered, any externally observable damage as a result of the transportation must be reported immediately to the towing or salvage company. Any damage not externally observable must be reported within three days. Article 5 Reimbursement of telecommunications costs The insured is entitled to reimbursement of telephone and fax costs necessarily incurred in order to reach the ABN AMRO Emergency Service, to a maximum of EUR 50.

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