Car insurances in the Netherlands

In the Netherlands, car insurance is mandatory for all registered vehicles. Of course, it is also necessary to protect all drivers financially when an accident or damage occurs. When you are coming to the Netherlands or just bought a car in the Netherlands, it is important to understand how car insurance works in the Netherlands. You need to know what options you have and what are the minimal requirements to avoid legal issues. Once you know the options, HuisAssist can help you find the best car insurance providers.

Types of car insurance in the Netherlands

In the Netherlands, there are different contracts you can have for car insurance. Therefore, it is necessary to understand the difference between the contracts. The first one is a basic minimum contract, while the best insurance is one where almost everything is covered.

Liability insurance (WA-verzekering)

Liability insurance, also known as "WA-verzekering", is the insurance that is the minimum car insurance that is mandatory in the Netherlands. This insurance only covers damage to third parties. This means if you cause property and personal injuries. Keep in mind, that this car insurance does not cover any damage to your car. Therefore, this insurance is mostly used by people where the value of the car is not very high. When you have a more expensive car, it would be wise to be better insured.

Partial casco insurance (beperkt casco verzekering)

This partial casco insurance covers the same as the previously mentioned liability insurance. Following damages are covered in your car: theft, fire, and weather conditions such as hail and storms.

Full casco insurance (allrisk verzekering)

The full casco insurance is the most extensive insurance that there is in the Netherlands. This insurance covers all damages to your own car, including damages that occur during a collision.

Requirements for a car insurance

The cost of different car insurance in the Netherlands varies on many different factors. This is also the reason that it is not clear for foreigners how this system works. The different factors from a car insurance can be:

• The type of car insurance
• Your age
• Your driving experience
• Your car and the value of the car
• Your location
• Your claim history

Advantage of driving years without any claims

In the Netherlands you get a lot of discounts on your car insurance when you don't claim your insurance. This is called the "schade vrij jaren" in Dutch. Each insurance asks the number of years that you've driven without damage. The number of years can be up to 5 years with maximum discount. Then you can get up to 50% discount on your car insurance. You must be able to prove how many claims-free years you have by providing your previous insurance policy.

Best car insurance providers in the Netherlands

Centraal Beheer Car Insurance

Centraal Beheer is an insurance company that is part of the Achmea Group. The company was founded in 1909 in Amsterdam and moved to Apeldoorn in the 1970s. After a reorganization in the late 1990s, Centraal Beheer is no longer formally a company, but a brand.

Rating: 8.6/10 - 3,659 reviews

Unive Car Insurance

Unive is a non-profit cooperative insurer. Unive customers are in most cases also members of the cooperative. Unive is a non-profit, so their prices are competitive and it is easy to request via their link.

Rating: 8.3/10 - 1,130 reviews

InShared Car Insurance

All customers from InShared do their best to prevent damage and we keep costs down. Many is staff is full of and everyone benefits from that. This beautiful basic principle that makes insurers simply fair together.

Rating: 8.2/10 - 2,129 reviews