Also, you are obliged to report any serious traffic offences (driving under the influence, for instance) to your insurer. Please note that younger people and seniors often have to pay more (or, in some cases, are not accepted), as insurers feel that they are more prone to cause accidents. How high your premium will be depends on a few things, such as the type of cover you are after, your age, place of residence, car type, how many kilometres you drive annually and your driving style (generally, the more accidents you get into, the higher your premium will become).
Don’t forget to read reviews of the insurer to find out if there are any complaints about them.
What’s the best way to go about choosing car insurance in the Netherlands? Here are a few things to keep in mind when looking around for Dutch car insurance: Compare and reviewįirst of all, it is advisable to compare car insurance quotes to find out which type of insurance fits your needs best.
Best way to compare car insurance how to#
How to choose car insurance in the Netherlands If you own an expensive vehicle, this is advised. However, a caravanverzekering covers damage to the caravan itself. If you cause damage with your RV, it is often covered by your car insurance (WA) or private liability insurance (AVP). Your classic car must be appraised at least every three years by a recognised appraiser. Whether your car will be seen as a classic car by your insurer depends on a few things, namely the age, brand and the use of your car. Oldtimer or classic car insurance is cheaper than regular car insurance. If you are in possession of a classic car, it will need to be insured. There are a few special types of car insurance: Oldtimer / Youngtimer insurance (classic car insurance) With this type of additional insurance, you can submit a claim once a year without it affecting the premium. once you have submitted a claim, generally, your no-claim discount will be void and your premium will go up. If you never submit a claim to your insurer, you can get a significant discount. No claim protection ( no claim beschermer) There are various ways in which you can do this: you can arrange it through your car dealer, as additional cover to your car or travel insurance, or as a separate service. No one wants to be stranded in the middle of nowhere with a flat tire, so making sure you are covered for road assistance is a good idea.
Best way to compare car insurance driver#
Coverage is generally linked to the insured vehicle, meaning it does not matter who the driver is. However, if you take out legal assistance cover via your car insurer, it is usually less expensive. Please note that you can also take out legal assistance as a separate insurance, so make sure you are not doubly insured. For instance, when there is a disagreement about who caused the accident. If you are in an accident, you might end up needing legal assistance. Legal assistance insurance ( rechtsbijstandverzekering auto) If you are the cause of the accident or if no one can be blamed, the WA insurer will not pay out anything, but with passenger insurance, the insurer does not look at who is to blame for the damages. However, the advantage of this type of insurance is faster claims handling and payment. Please note that passengers are covered by the mandatory WA insurance of the driver or that of the party who caused the damage, and medical expenses are usually covered by health insurance.
It also includes damages to personal effects. This type of insurance provides cover if you or another passenger of your car is injured or dies as a result of an accident. They are the following: Passenger insurance ( inzittendenverzekering) Here is a handy overview to show you what is included in the three main types of car insurance in the Netherlands:īesides the three main types of car insurance you can get, there are also a few additional types you may want to consider when you are driving in the Netherlands. Car insurance in the Netherlands: what’s included In addition to the mandatory third-party liability cover, this type of insurance also reimburses the damage to your own car, including damage you have caused yourself. This is the most comprehensive car insurance you can take out. If you have a new car, it is generally advised to take out allrisk insurance, also called volledig casco. This type of insurance also covers certain damage to your own car, including damage to your windows, theft / break-in damage and damage caused by storms or fire. The WA+ insurance, also knows as Beperkt Casco (limited comprehensive coverage) offers more than just third-party insurance.
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