Sustainability
The choices we make today impact the world of tomorrow. That is why we think it is important that we take our responsibility in this. We do this by taking people, the environment and society into account in all our activities. In this way, we add value as a company in the long term. On this page you will find information about our sustainable initiatives.
Taking climate action at NN
Climate change is an urgent and global problem. It is not only about the climate. It is, among others about people, the living environment, food supply, and health. Climate change impacts all. The theme of sustainability and climate has been high on our agenda for years and is anchored in our strategy with concrete objectives.
Sustainable network for repairing damage
Nationale-Nederlanden has set up its own sustainable repair network and, in that context, has joined the Dutch Board for Experts in Property of the Sustainability foundation on April 14 2022. We want to make damage restitution more sustainable in the coming years by, for example, repairing – where possible – instead of replacing. We also ask our repair companies in the NN repair network to carry out repairs in a way which can be demonstrated to be sustainable. They can do this by obtaining certificates issued by the Sustainability foundation.
Bike insurer Insurtech Laka
Insurtech Laka and Nationale-Nederlanden launched their joint group scheme for bike insurance on the Dutch market. Instead of a fixed amount per month, customers will pay a variable monthly contribution capped in advance. The contribution is based on the claims made in the group scheme. The lower they are, the lower the monthly premium.
Qover-me bike insurance
By taking our Qover-me bike insurance you protect your bike if the battery runs down quicker than expected, or if you get a puncture. If your bike is stolen, even though you had locked it properly, we will repay the purchase price in the first three years with no excess. We'll also pay for a taxi to take you home and for the cost of hiring a replacement bike.
Mobile device insurance
Having a smartphone or tablet is indispensable nowadays. But what if your mobile device gets broken or, even worse, stolen? The ING's mobile device insurance helps clients promptly, offering repair or replacement with a refurbished device in case of theft or total loss.
Our in-kind insurance extends the life of mobile devices and therefore reduces the consumption of scarce natural resources. Our partner for repairs is certified by the Dutch GroenGedaan foundation (sustainable foundation) and authorised by Apple and Samsung to carry out repairs in line with their official standards. This includes all their conditions on sustainable repairs and waste recycling.
Electric, hydrogen or hybrid vehicles
We have incorporated non-fossil fuels into our car insurance policies so we can now insure your electric, hydrogen and hybrid vehicles. We can offer insurance to clients who own vehicles such as a Hyundai Nexo FCEV (hydrogen), an Opel Ampera (fully electric) or a Mitsubishi Outlander MPVE (hybrid). We offer these clients our regular terms and conditions and impose no further conditions as we do on ordinary types of fuel like Euro95 and petrol.
OHRA short-term car insurance
Want to use your parents' car to go on holiday or borrow a neighbour's car for a day out? OHRA's Short-term car insurance enables you to borrow a car, without any fuss. Borrowing (or lending) a car saves money and you lower your carbon footprint. It gives you peace of mind when borrowing or lending a car, saves extra expense and is better for the environment.
OHRA kilometre insurance
Do you mainly use your car to drive the children around? Or do you often work from home? If so, there's a good chance you drive less than 5,000 km a year. The kilometre insurance could be an interesting option for you. You pay for each bundle of 1,000 kilometres. So you only pay when you drive, but your car is still always insured, even if it's parked outside your house.
Cybercrime
Your computer could be hacked. You would then be unable to access your documents or photos, or even use the computer at all. Money could be stolen from your bank account or you could be subject to identity theft. The Cyberhulp module covers you in the event of such situations. The module not only covers damage, but also offers our help in the event of cyber incidents. The module offers cyber help for computers, laptops, tablets and smartphones.
Do you think you have been hacked? Cyberwacht is the emergency telephone helpline for victims of hacking in the Netherlands. Our experts remove malware, investigate the causes and limit the damage.
Flood cover for non-primary flood defences
Since 1 October 2021, the property, and inventory insurances have been expanded to include flood cover for non-primary flood defences. Flooding is in many cases the result of climate change. By flooding we mean a flood of water from rivers, lakes, canals or ditches due to the unforeseen collapse, damage, overflowing or failure of dikes, quays, locks or other non-primary flood defences. It does not matter whether the flood is the cause or the result of an event that is insured.
Escalation process in case of high ESG risks
All risks and risk management of Schade Intermediary (Non-life) is discussed in the Management Team Risk. This periodical meeting has a formal status within the Effective Control Framework (ECF) of NN Non-life. The CEO of business unit Schade Intermediary is chairman of this meeting.
Climate Risks are assessed as high risk in High Level Risk Assessment that takes place every year. These climate risks are being monitored via the ECF report, which is part of the annual report. One of the measures that are being taken for the key risk sustainability, climate change, social corporate responsibility is to offer a solution for non-insurable risks (for risk technical reasons) at case level. Only when it comes to solutions to sustainability problems. These cases are being monitored by a Risk Committee, Schade Intermediary.
More information about Risk Governance of non-profit insurance risks can be found in the Annual Report NN Schade 2022 (pages 57-65).