No-claim protected in WAM claims in Delft

In Delft, your no-claim discount remains protected under direct action pursuant to the WAM. Article 28 WMV obliges insurers to pursue recourse against the liable party, ensuring your premium remains stable following a non-at-fault accident on Delft roads. Consider busy intersections such as Phoenixstraat or the roundabout at TU Delft, where accidents frequently occur due to commuters and students. You only pay the deductible (€150-€500). Prove liability with a police report-verbal from the Delft police or an independent expert assessment, preventing disputes. In cases of 50/50 liability, insurers halve the no-claim impact. Local insurers such as ANWB and Univé, with offices in the Delft region, confirm this in their policies. Recent case law (ECLI:NL:GHDHA:2023:321) emphasises that victims in Delft and surrounding areas may not be disadvantaged. Check your policy conditions upon conclusion via a Delft advisory office and retain all correspondence with the police at Delft-Noord station. In the event of an erroneous premium increase, claim your money back via the Disputes Committee. This encourages Delft residents to report accidents without financial risk, especially bicycle accidents in the historic city centre. (218 words)