No-claim protected in WAM claims in Amsterdam

In Amsterdam, your no-claim discount remains protected under direct action pursuant to the WAM. With the busy traffic on the canals, Ring A10, and cycle paths, Article 28 of the WMV obliges insurers to seek recourse from the liable party. Thus, your premium does not increase after a non-at-fault accident, such as a collision at the IJtunnel or on the Zuidas. You only pay the deductible (€150-€500). Proof of liability via Amsterdam police process-verbal or expert bureau report prevents disputes. In cases of 50/50 liability, as often occurs in bicycle-car incidents in the city centre, the impact on your no-claim is halved. Local insurers such as ANWB and Univé, popular among Amsterdammers, guarantee this in their policies. Case law (ECLI:NL:GHDHA:2023:321) from the Court of Appeal of The Hague, relevant for North Holland, confirms: victims in the region may not be disadvantaged. Check your policy conditions upon conclusion via Amsterdam advisors and retain all correspondence with the Traffic Police. In case of erroneous premium increase, claim reimbursement via the Disputes Committee or the Juridisch Loket in Amsterdam East. This encourages safe reporting of accidents on smart routes such as the Noord/Zuidlijn connections, without financial risk for drivers. (218 words)