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What types of coverage are available?
Choose the coverage that fits your car and situation
WA
WA beperkt casco
WA casco (all risk)
Compare trusted Dutch car insurers
Good to know
about your car insurance
Car insurance comparison Netherlands
Frequently Asked Questions
about car insurance in the Netherlands
You can choose from three types of coverage: WA, WA beperkt casco and all risk. The best option for you mainly depends on your car, how much risk you want to take yourself and how much premium you want to pay.
Compare multiple Dutch insurers in one overview and choose the coverage and monthly premium that fit your situation best. We compare these insurers for you. So you can choose with confidence.
What do you need for car insurance in the Netherlands?
As a car owner in the Netherlands you are obligated to have at least a third-party liability car insurance (
). To apply for a
, it is important that you meet certain conditions, such as:
Tip:
are you checking out our car insurances via desktop? You can right-click on 'Translate to English'-option to translate the page to English.
Do you want to insure your car for extra risks? You can choose an
. For example, coverage in the event of personal injury caused by accidents or coverage for both material damages and personal injuries to all passengers in the car.
Reporting code
You'll need the
to take out your car insurance. The reporting code is a unique code which corresponds to the last 4 digits of the identification or chassis number of your car. You can also find the reporting code on your registration certificate.
Own risk
The '
' is the amount you pay yourself in case of damage. At most insurers you can increase your own risk, which will lower your premium. You can choose from car insurances with a own risk from € 0 to € 500.
additional insurance
reporting code
own risk
Free Plus package
If you take out car insurance, you will receive a free Plus package. You will receive a free annual premium-check and a free fuel card. This way you can fuel your car with a discount. Also, we help you recover damages from the other party free of charge.
Save up to € 240,00 a year on your Dutch car insurance
Get
20% discount on your premium
See your
real monthly cost
instantly
Expert Jorg:
86%
save
with our comparison tool
WA (third-party liability) insurance is the cheapest type of car insurance. With WA insurance, you are insured for damage you cause to others, while keeping your premium low. Damage to your own car is not covered.
What is and is not covered?
Damage to others
Theft and joyriding
Windscreen damage
Collisions with animals or birds
Natural disasters, such as storms
Accidents, skidding and driving into water
Other external damage
When is WA insurance a smart choice?
WA insurance is often the best option if:
Example
Stefan is 30 years old and buys a car for €1.200. He mainly wants affordable insurance and does not mind paying for small damage himself. That is why WA insurance is the right choice for him.
With WA beperkt casco (third party, fire and theft) insurance, you often pay only a few euros more than with WA insurance, while getting more extensive coverage. For example, you are insured for damage caused by theft, fire and windscreen damage. If you cause an accident yourself, damage to your own car is usually not covered.
What is and is not covered?
Damage to others
Theft and joyriding
Windscreen damage
Collisions with animals or birds
Natural disasters, such as storms
Accidents, skidding and driving into water
Other external damage
When is WA beperkt casco insurance a smart choice?
WA beperkt casco insurance is often the best option if:
Example
Sophie drives a car worth €3.200. She does not want to pay too much premium, but she does want coverage for damage caused by theft, storms or windscreen damage. That is why she chooses WA beperkt casco insurance. It gives her more coverage than WA insurance, without paying the highest premium.
WA casco (all risk) insurance is the most comprehensive type of coverage. You are insured for almost all damage, including damage to your own car if you cause an accident yourself. This helps you avoid unexpected high costs.
What is and is not covered?
Your car is more than 10 years old
Your car has a market value below €2.000
You want the lowest possible premium
Your car is between 6 and 10 years old
Your car has a market value between €2.000 and €10.000
You want a bit more security without paying the highest premium
Damage to others
Theft and joyriding
Windscreen damage
Collisions with animals or birds
Natural disasters, such as storms
Accidents, skidding and driving into water
Other external damage
When is WA casco (all risk) insurance a smart choice?
WA casco (all risk) insurance is often the best option if:
Example
Dave bought a car worth €14.000 and uses it every day for work. He does not want to face high repair costs if he causes damage himself. That is why he chooses all risk insurance. This means damage to his own car is also covered, for example after a collision or if he accidentally hits something.
Your car is less than 6 years old
Your car has a market value above €10.000
You want maximum security and as little financial risk as possible
Compare trusted Dutch insurers and see your monthly premium instantly. Choose the coverage that fits your car and situation.
At UnitedConsumers, you can compare car insurances in the Netherlands from different car insurance companies. You can save
up to € 240,00 per year
on your car insurance in the Netherlands!
Your date of birth.
Your Dutch address.
Your claim-free years.
Your Dutch bank account details.
You have had many damages in the past.
You have a negative amount of damage free years.
Your car is very sensitive to theft and you do not have the required security.
You have a history of late payments, or currently have an arrears of payment.
A combination of risks, like for example: you are young and you have just obtained your drivers license, but you have also just bought a very expensive car. This combination of risks can be rejected by the insurance company.
When you apply for the car insurance, you need some personal information. Such as:
It is important that if you are the driver of the car, that your information is used to apply for the car insurance. You can mention a different owner of the car later in the application form. But most of the time it is most convenient that if you are the driver, that you also are the owner of the car.
You usually only need:
Your license plate and reporting code
Your claim-free years
The current value of your car
Your estimated yearly mileage
The reporting code ('
' in Dutch) is a unique combination of 4 digits and is equal to the last 4 digits of the chassis number. If you know the chassis number, you know the reporting code. You can also ask for your reporting code at the RDW or you can find it on the registration certificate part 1 or
.
When you apply for a car insurance, the car insurance company has to review the application to be able to decide if they can accept the risk you offer them or not. In 90% of the cases the insurance company immediately accepts the application. But in some situations, they need some extra time to review the application.
If that is the case, you will recieve an e-mail with a
or no coverage at all. Sometimes they can come to the decision to reject the insurance, because the risk is too high. A rejection can have something to do with the following situations:
If you already have a car insurance, most of the time this should not be a problem. Every car insurance can be cancelled monthly after the first year. In your insurance papers you can search for the exact policy on how to cancel your current car insurance.
Our advice
is not to cancel your current car insurance until you are sure that your new car insurance has been accepted by the insurance company. Just to be sure that your car is insured at all times.
If you need any help with the cancellation of your car insurance, you can use our
. Please do not forget that once you have filled in all the information, you still have to send the cancellation form to your current car insurance yourself!
The green card is a document which will be send to your address after you have been accepted by the car insurance company. It is an important document, so it is good to always keep it in the car. The green card lists all the countries in which you are insured. And it also contains some telephone numbers that you might need in certain situations, such as emergencies. You will receive a new green card every year.
If you are planning to take a trip abroad with your caravan, you can ask us for a green card for your caravan. You will need a separate green card for your caravan, especially in countries such as Germany, Spain and Poland.
