Insurance

  • How can I apply for an insurance certificate/green card?

    You can easily apply for an insurance certificate (green card) yourself via our website. The green card is an international insurance certificate for your car. Apply for your insurance certificate/green card here!

    Go here to check if a country requires you to have an insurance certificate/green card.

    Questions?
    Email: info@directlease.nl
    Telephone: 0541 - 571 710

  • Do I need a green card for a caravan, trailer tent or trailer?

    If you are travelling to or through a foreign country with a caravan, trailer tent or trailer, its licence plate is important for the validity of the green card.

    1. If your caravan or trailer has a different licence plate number than your car, it is important to apply for a separate insurance certificate.
    2. If the caravan, trailer tent or trailer weighs less than 750 kg, your current green card means you are insured against accidents that happen in the countries listed on the green card.
    3. If the caravan, trailer tent or trailer weighs more than 750 kg, you will need a different green card in Germany, Poland and Spain.   Instead of code AF, your green card must include code F. 

    Do you need a different green card? Send an email to: info@directlease.nl. 

     

    Questions?
    Email: info@directlease.nl
    Telephone: 0541 - 571 710

  • I lost my green card. What now?

    Don't worry, you can request a copy of your green card free of charge via Insurance certificate / green card (directlease.nl).


    Tip: when requesting a copy of your green card, it helps to have your car's licence plate number ready.

     

    Questions?
    Email: info@directlease.nl
    Telephone: 0541 - 571 710

  • Where can I find my green card number?

    Your green card number is listed on your green card under point 4. Country code/Insurer code/Number.   This number consists of three parts. You will need it when filling out the European Accident Statement. 

      1. Your car insurance's policy number
        This unique code is used to determine what car insurance you have.
      2. The insurer code
        This is a three-digit code.
      3. The code of the country you live in
        The country code for the Netherlands is NL 

     

    Questions?
    Email: info@directlease.nl
    Telephone: 0541 - 571 710

  • Is it mandatory to carry a green card?

    Having an insurance certificate (green card) with you is only required when visiting the countries highlighted in green on the following website: https://www.cobx.org/highcharts-maps

    The countries where you must be able to present a (paper) green card include: Albania, Iran, Israel, Morocco, Montenegro, North Macedonia, Ukraine, Russia, Tunisia, Turkey, Belarus.

    I want to apply for an insurance certificate/green card.
    You can apply for your insurance certificate/green card here! 

    When travelling to or through these countries, it is important to make sure your green card is actually green. You can either print your insurance certificate on green paper or request a free copy from us: Insurance certificate / green card (directlease.nl). Note: be sure to submit your request at least one week before your departure to make sure your green card can be delivered by mail on time.

    If your destination is not listed above, you are not obligated to carry a green card, although we do recommend it. You can carry a digital copy or a black-and-white hard copy of your green card. 

    Questions?
    Email: info@directlease.nl
    Telephone: 0541 - 571 710

  • Will I get legal aid when I lease a vehicle from you?

    No one likes to be involved in a legal dispute. If you are involved in a legal conflict, you may want to make use of legal aid insurance.

    Note that legal aid insurance is not included in our insurance coverage by default. 

     

    Questions?
    Email: info@directlease.nl
    Telephone: 0541 - 571 710

  • I have accrued a no-claim discount. Will you honour that?

    We use a collective commuted no-claim/bonus malus percentage. We therefore cannot honour any individually accrued no-claim/bonus malus discounts. As a result of our volume agreements, we are able to offer a high discount percentage that everyone benefits from. As an added benefit, the premium in your lease agreement is not dependent on your accident record.

     

    Questions?
    Email: info@directlease.nl
    Telephone: 0541 - 571 710

  • Who is liable to pay the deductible in the event of damage?

    Damaging your vehicle is never a good thing. If the damage was caused by a counterparty, it is important to fill out an Accident Statement together with this party and send it to schade@directlease.nl. If you prefer to report the damage using your smartphone, you can do so via www.mobielschademelden.nl. 

     

    Damage caused by a counterparty
    If the damage to your vehicle can be recovered from the counterparty, you will not have to pay a deductible. 

     

    Damage without a (known) counterparty
    If the damage was caused by e.g. vandalism or an unknown counterparty, you must file a police report. As the damage cannot be recovered from a counterparty, your employer will be liable to pay the deductible.

     

    Questions?
    Email: info@directlease.nl
    Telephone: 0541 - 571 710

  • What is covered by “Personal Accident Insurance” (PAI)?

    In an accident, the driver and passenger(s) of a vehicle may suffer injuries. This can have major financial ramifications, as the costs of additional aid, special facilities at home or retraining can be significant. The PAI (Personal Accident Insurance) is a supplementary insurance that pays out a percentage of the insured amount in the event of death or permanent disability. It is important to note that the PAI coverage only extends to the number of belted seats in a vehicle. Consult the registration certificate for this information.

    A PAI supplements your car insurance. The PAI will pay out a fixed amount in the event of permanent disability or death of one or more passengers in your vehicle. 

    This insurance will also pay out if you caused the damage yourself or if the liability of the driver or counterparty cannot be determined, meaning the damage is non-recoverable. The coverage applies in the countries listed on the insurance certificate.

     

    Questions?
    Email: info@directlease.nl
    Telephone: 0541 - 571 710

  • What are the consequences of a total loss?

    It is of course very unpleasant if your lease vehicle is declared a total loss. The consequences of a total loss depend on who caused the damage: you or the counterparty. 

    The damage is your own fault
    If the total loss of your vehicle is your own fault, you will only pay the deductible listed in your lease agreement.

    The damage was caused by the counterparty
    If the total loss of your vehicle is not your own fault, all damages can be recovered from the counterparty and you will not have to pay a deductible.

    Termination of lease agreement 
    In the event of a total loss, your lease agreement will be terminated per the date of the accident that caused the damage. 

    Questions?
    Email: info@directlease.nl
    Telephone: 0541 - 571 710

  • Is it possible to lease a vehicle without insurance?

    One of the major benefits of leasing from DirectLease is that you sign a Full Operational Lease agreement. This means that your lease price includes all fees, including insurance. The only exception is fuel costs. As the insurance is included in our full-service lease package, we do not offer the option of leasing a vehicle without insurance.   Additionally, our insurance policies ensure you get the best service at affordable rates. 

    Questions?
    Email: info@directlease.nl
    Telephone: 0541 - 571 710

  • If someone else drives my lease vehicle, are they insured?

    You are allowed to let someone else, e.g. a colleague or family member, drive your lease vehicle. The car will still be insured. Note that the person driving your car must have a valid Dutch driver's licence. Additionally, they cannot drive the vehicle while under the influence of alcohol or drugs and they cannot take part in a rally race. It is not allowed to rent out the lease vehicle or use it as a taxi.

     

    The driver is insured through their own health insurance.

     

    Questions?
    Email: info@directlease.nl
    Telephone: 0541 - 571 710

  • What liability coverage does DirectLease offer?

    DirectLease's car insurance offers excellent coverage. Our “Car Liability Insurance” covers the liability of the owner, the driver and/or the passengers against any damage caused with the vehicle to other persons. The standard coverage for “Statutory Liability” per event is: €6,100,000 for injuries (regardless of the number of victims); €2,500,000 for material damage. The maximum insured amount per event is €8,600,000.

     

    Questions?
    Email: info@directlease.nl
    Telephone: 0541 - 571 710

  • What deductible does DirectLease use?

    If you only caused damage to another person and not to your lease vehicle, you will not have to pay the deductible for the liability insurance. In such cases, the deductible for damage covered by the liability insurance is €0 (unless agreed otherwise). If your lease vehicle is damaged, you will have to pay the deductible for the hull insurance. The deductible for hull damage to your lease vehicle is €135, €300 or €500 per event (depending on the deductible specified in your lease agreement).

     

    In most cases, repairing a cracked windscreen is free of charge. There is a €70 deductible for windscreen replacements by Van Mossel Car Glass Service. 

     

    Questions?
    Email: info@directlease.nl
    Telephone: 0541 - 571 710