{"type":"document","data":{"id":"505542e3-c943-4460-95fb-a729bc1ea7b6","localeString":"en-GB","publishDate":"2026-03-13T18:04:58.893+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Read here the frequently asked questions about severe weather in Southern Europe and what you can expect from our insurance policies."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Extreme weather in Southern Europe has caused damage to caravans, vehicles, and belongings. If your journey cannot continue due to damage, contact the Emergency Center at +31 70 51 300 90. For non-urgent cases, report damage with photos via MyING or the ING App.","title":"Frequently asked questions: severe weather in Southern Europe & your insurance"},"backLink":{"textLink":{"url":"/en/personal/insurances","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Medical emergencies"},{"componentType":"accordion","accordionList":[{"title":"II have a medical emergency. What should I do?","richBody":{"value":"<p>Always call the Emergency Center for medical emergencies.</p>"}}]},{"componentType":"sectionTitle","title":"Car Insurance"},{"componentType":"accordion","accordionList":[{"title":"I only have third-party liability car insurance. Am I covered for hail damage, and will I get assistance?","richBody":{"value":"<ul><li><p>Third-party car insurance does not cover hail damage, but assistance is available if your car is undriveable. </p></li></ul><ul><li><p>WA Plus and All Risk car insurance covers hail damage; your damaged car and passengers will be transported to the Netherlands for repair or assessment. </p></li></ul><ul><li><p>Emergency repairs are covered; save receipts and photos for claims. </p></li></ul>"}},{"title":"I have hail damage to my car and it's no longer safe to drive. What can I do?","richBody":{"value":"<ul><li>With WA Plus and All Risk car insurance, damage caused by hail is covered.</li><li>Due to the situation, your car probably can&apos;t be repaired locally within four days. The emergency response center will arrange for your damaged car, including any trailer or caravan, to be brought to the Netherlands. In the Netherlands, they will assess whether your car can be repaired or if it is a total loss.</li><li>The emergency response service will also ensure that you and your passengers can return to the Netherlands and will determine the means of transport for you and your passengers.</li></ul>"}},{"title":"I have hail damage to my car and can still drive it safely (possibly with emergency repairs). Can I get compensation for this?","richBody":{"value":"<p>With WA Plus and All Risk car insurance, you can arrange emergency repairs if you&apos;re still drivable. Keep photos and receipts so you can include them when filing a claim.</p>"}}]},{"componentType":"sectionTitle","title":"Travel Insurance – replacement cars/caravans"},{"componentType":"accordion","accordionList":[{"title":"My car sustained hail damage and is no longer safe to drive. Can I arrange a replacement car myself?","richBody":{"value":"<ul><li><p>Replacement cars can be rented (up to €100/day) if yours cannot be driven, though availability may be limited. </p></li></ul><ul><li><p>Replacement caravans (max €100/day, 20 days) or alternative accommodation is covered, subject to availability. </p></li><li><p>Always contact the Emergency Center at +31 70 51 300 90.</p></li></ul>"}}]},{"componentType":"accordion","accordionList":[{"title":"Replacement caravan","richBody":{"value":"<p>Do you also need a replacement caravan? The maximum charge is €100 per day for a maximum of 20 days.</p><p><strong>Please note</strong>: due to the current situation, there is unfortunately a shortage of caravans and/or the replacement caravans may also be damaged. You can also rent another replacement accommodation instead of a caravan for this maximum amount.</p>"}},{"title":"Alternative transport","richBody":{"value":"<p>You may arrange train, bus, or plane tickets yourself and submit them for reimbursement. </p>"}},{"title":"I can't continue my holidays due to damage to my car and/or accommodation. I can be picked up by family or friends. Will I receive compensation for this?","richBody":{"value":"<p>If you’re picked up by family/friends, mileage (€0.24/km), overnight stay, and meals (up to €100 per person per day) are reimbursed.</p>"}}]},{"componentType":"sectionTitle","title":"Extra travel & accommodation costs"},{"componentType":"accordion","accordionList":[{"title":"My trip is taking longer than planned due to the severe weather. Will my additional travel and accommodation expenses be reimbursed?","richBody":{"value":"<p>Additional costs due to travel delays from severe weather are reimbursed, including a €0.24/km allowance if using your own transport. </p>"}}]},{"componentType":"sectionTitle","title":"Cancellation"},{"componentType":"accordion","accordionList":[{"title":"My accommodation is no longer available due to damage, and there is no comparable accommodation available. Can I cancel?","richBody":{"value":"<p>If your accommodation is uninhabitable and no replacement is available, contact your tour operator or landlord to discuss cancellation or rebooking options. </p>"}}]},{"componentType":"linkList","iconTitle":{"title":"Insurance"},"textLinks":[{"url":"/en/personal/insurances/annual-travel-insurance","text":"Travel insurance"},{"url":"/en/personal/insurances/car-insurance","text":"Car insurance"},{"url":"/en/personal/insurances/home-insurance","text":"Home insurance"},{"url":"/en/personal/insurances/liability-insurance","text":"Liability insurance"},{"url":"/en/personal/insurances/legal-expenses-insurance","text":"Legal expenses insurance"},{"url":"/en/personal/insurances/student-insurance","text":"Student insurance"},{"url":"/en/personal/insurances/czdirect-health-insurance","text":"Health insurance"},{"url":"/en/personal/insurances","text":"All insurance"}]},{"componentType":"accordion"}]}}}