Compare car insurance

No-claims discount is a premium discount that you build up if you drive without causing any damage. For every year without damage, you move up the bonus-malus ladder. You then receive a higher discount on your premium, which means you have cheaper car insurance. Have you caused damage that you report? Then you may drop down the ladder and lose your discount. You can prevent this with no-claims protection.

Have you not yet built up any claim-free years, or do you have negative claim-free years? Then you will not (yet) receive a discount on your car insurance.

Continue reading about no-claim discount

Provisional coverage is a solution by insurers to get you covered for your requested policy while they are still checking the details of your application.

Provisional coverage usually lasts no longer than a few days, depending on the insurer. Temporary coverage ends when the insurer has fully reviewed and officially approved or denied your application.

How long this process takes depends on factors such as the speed of the review and whether additional information is needed. On average, this is completed within 1 hour and in many cases within 10 minutes. It can take up to 48 hours.

Please note: the effective date of your insurance determines when coverage actually begins.

Are you still planning to drive an uninsured car? Then you risk a hefty fine from the RDW.

Continue reading about provisional coverage

Would you like to insure a second car? Many insurers offer a second car arrangement, whereby you benefit from the same no-claims discount as on your first car. This can make a significant difference to your premium.

Conditions vary depending on the insurer, so check whether both cars are registered to the same household and whether the second car is used privately.

Read more about the second car arrangement

Are you switching to another car insurer? Don't forget to cancel your current car insurance in good time. In many cases, you can cancel on a monthly basis after the first year, with a notice period of one month.

Always check the policy conditions and ensure that the new insurance takes effect on the day the old one ends, so that you are never driving without insurance.

When canceling your current car insurance, make sure you always take out a new insurance policy first. This will ensure that you are not driving without insurance.

Continue reading about cancelling car insurance

The cost of your car insurance is based on various factors, such as your age, driving experience, the type of car, and the current value of your vehicle. The number of claim-free years you have accumulated also plays a major role: the more claim-free years you have, the more discount you will often receive on your premium.

If you have driven for several years without causing any damage, you can often choose the most comprehensive insurance at a relatively low premium. When purchasing a new car, it is particularly important to ensure you have good coverage, as the value and risks are different from those associated with an older car.

Also consider where your car will be parked. If you park it on a busy street in a city, the risk of damage from theft or vandalism is higher, and then it may be a good idea to go for more comprehensive coverage. This is less important if your car is safely parked in your own garage.

The choice of the best coverage should be made deliberately. After all, the premium must be proportional to the daily value of the car. For example, for a 12-year-old car, it often does not make sense to choose the most comprehensive car insurance.

The current value of your car is a major factor in determining how much the insurance will pay out in the event of serious damage. You can also extend the basic coverage with additional insurance, such as roadside assistance or passenger insurance, for extra protection.

With Alpina's comparison tool, you can compare different insurers within minutes, and find the cheapest car insurance for your car.

Be aware that the cheapest car insurance is not always the best car insurance for you. If you have an expensive car, you probably want to insure it better. Then it's better to opt for more comprehensive coverage. With a 10-year-old car, you might not care as much if you get some damage. Then you can opt for only third-party insurance.

Think carefully about what you want the insurance to cover, and read the policy terms carefully. That way you can find the insurance that suits you best for the best price.

To get the best value for money, we recommend that you compare different insurers. This is because there are an awful lot of insurers on the market, giving you a choice of dozens.

Compare different coverages to see which one best suits your needs. Also consider the age and daily value of the car, and how many claim-free years you have accumulated. If one insurer is too expensive, choose another, cheaper insurer. This way you will find the most suitable car insurance at a good price.

Also, make a new comparison once in a while. Premiums and policy conditions of a car insurance company can change every year. Therefore, car insurance with the same coverage may suddenly be cheaper next year with another insurer. Of course, your personal situation can also change. Moreover, your car gets older every year. Maybe after a few years the coverage of your car insurance no longer fits your car. We therefore advise you to check annually if your car insurance still suits you.

We have made calculating your car insurance premium easy. To calculate via Alpina.nl you only need some simple data, such as the license plate of your car and the number of claim-free years you have accumulated. With this we can already give you an indication of the premium, so you can start comparing right away.

Are you going to finalize the insurance? Then we also need the car's report code.

Getting or switching cheap car insurance

Taking out car insurance is easy to do online. By means of the license plate, all data of the car can be retrieved. In addition, you only need the accumulated claim-free years of your current car insurance and the calculation and comparison can begin. Is your car still insured with an expensive insurer? With our cancellation service we can cancel the existing car insurance. Choosing another car insurance can save you hundreds of euros in premiums per year.

Temporary car insurance

Do you need temporary car insurance? Even then we have possibilities. Think, for example, of insurance to drive to the RDW inspection or WA coverage during the export of a vehicle.

Get instant car insurance

You can buy car insurance directly with us after you calculate the premium. By completing the underwriting and closing questions, you apply for insurance. Depending on the information you provide, you can get immediate provisional coverage. If you do not receive immediate provisional coverage, the company will evaluate your application. In most cases you will receive a response within 1 hour on working days.

Factors that play an important role in determining the premium:

1. What coverage did you choose?
2. How many claim-free years have you accumulated?
3. How many miles you will drive the car
4. What is your age?
5. What is your zip code?

In addition to the legally required WA coverage, you can also choose the WA limited casco coverage, or the most comprehensive coverage with the All risk car insurance (WA casco).

With limited casco car insurance, in addition to the standard coverage for damage to the other party, you also get paid for fire damage, windshield breakage and damage from collision with stray animals.

All-risk car insurance is a further extension of coverage. This car insurance also covers damage to your own car, even if the damage was caused by your own fault.

Which car insurance is best for you depends on several factors. For more information on the forms of insurance, please refer to the further explanation of the Third Party, Limited Comprehensive and All-Risk car insurance.

In addition to standard coverage, you can also choose supplemental insurance.

Frequently chosen insurances are accident occupant insurance and casualty occupant insurance. These policies pay out an amount in the event of damage to the occupants or the occupants' belongings as a result of an accident.

You can also co-insure legal aid and roadside assistance.

Several factors come into play when choosing a form of insurance.

For example, you can consider the age and daily value of the car, but also the accumulated claim-free years. If you have several years of damage-free driving, you can often choose the most comprehensive insurance at a fairly low premium. You are then entitled to no-claims discount.

Also consider where your car will be parked. If you park it on a busy street in a city, the risk of damage from theft or vandalism is higher, and then it may be a good idea to go for more comprehensive coverage. This is less important if your car is safely parked in your own garage.

The choice of the best coverage should be made deliberately. After all, the premium must be proportional to the daily value of the car. For example, for a 12-year-old car, it often does not make sense to choose the most comprehensive car insurance.

This is because the daily value of your car weighs heavily in how much the insurance company pays out in the event of severe damage.