No-claim protected in WAM claims in Rotterdam

In Rotterdam, your no-claim discount remains protected under direct action pursuant to the WAM. Article 28 WMV obliges insurers to seek recourse from the liable party, often a truck driver on the busy A20 or Erasmus Bridge. Thus, your premium does not increase after a non-at-fault accident in the port or on the Coolsingel. You only pay the deductible (€150-€500). Proving liability with a police report from the Rotterdam police or an expert bureau prevents disputes. In cases of 50/50 liability, the impact on your no-claim is halved. Local insurers such as ANWB Rotterdam and Univé Maasstad guarantee this in their policies. Case law (ECLI:NL:GHDHA:2023:321) confirms: victims in the Rijnmond region may not be disadvantaged. Check your policy conditions with a Rotterdam advisor and retain all correspondence. In case of erroneous premium increase, claim reimbursement via the Disputes Committee or the Juridisch Loket Rotterdam. This encourages reporting of accidents on the Westersingel without financial risk, fitting the demanding Rotterdam traffic congestion. (198 words)