No-claim protected in WAM claims

With direct action under WAM, your no-claim discount remains protected. Article 28 WMV obliges insurers to pursue subrogation against the liable party, so your premium does not increase. You only pay the deductible (€150-€500). Proving liability via police report or expert assessment prevents disputes. In 50/50 liability cases, the no-claim impact is halved. Insurers such as ANWB and Univé guarantee this in their policies. Case law (ECLI:NL:GHDHA:2023:321) confirms: victims must not be disadvantaged. Check your policy conditions and retain correspondence. In case of incorrect premium surcharge, claim reimbursement via the Disputes Committee. This encourages reporting without financial risk. (194 words)