Get Car Insurance in the Netherlands

Cheap car insurance in the Netherlands

Do you own a car in the Netherlands? If so, you’re required to have car insurance. With our convenient online tool, you can easily compare a wide range of car insurance premiums from different insurance companies. That way, you’ll never pay more than necessary for your car insurance.

Insuring your car takes just a few minutes, and in most cases, you'll receive temporary coverage right away so your car is insured as soon as possible—even on the weekend.

Car insurance costs

The cost of car insurance in the Netherlands is based on a number of factors, including:

• The driver's age
• Place of residence
• Vehicle Value
• The number of claim-free years
• Any additional accessories you've added to the car

Car insurance costs vary from insurer to insurer. The average car insurance policy costs about €40 per month, but the premium differs for each person. You may pay as little as €25 or as much as €90 per month. It all depends on the factors mentioned above.

Always read the policy details carefully and check the deductible amounts for the different insurance options. It may be worth paying a little more each month to get coverage that’s perfectly tailored to your needs.

Third-Party Liability, Third-Party Liability Plus Limited Comprehensive, or All-Risk? Choosing the Right Car Insurance

The most fundamental and important part of car insurance is third -party liability coverage. In the Netherlands, it is mandatory to have car insurance that includes at least third-party liability coverage. This coverage provides compensation for damage you cause to other people and their property with your car.

Repair or compensation costs following an incident can be very high, especially if the other person becomes disabled or unable to work. Third-party liability coverage is the minimum required coverage and does not provide compensation for anything other than damage caused to others.

If you need more comprehensive insurance, you can choose to expand your coverage to Third-Party Liability + Limited Comprehensive (third-party liability + limited coverage) or All-Risk (full coverage, also known as Third-Party Liability and Comprehensive). All-Risk is the most comprehensive coverage of the three. Which car insurance is best for you and your car depends on several factors, such as the age and value of your car.

Choosing the Right Car Insurance Coverage

Various factors come into play when choosing insurance coverage. For example, the age and current market value of the car, as well as your number of claim-free years.

If you have driven claim-free for several years, you can often choose the most comprehensive insurance policy for a fairly low premium. If you have very few or even negative claim-free years, however, your insurance could become quite expensive. In the case of negative claim-free years, some insurers may refuse to insure you. We offer specialized insurance for cases like this.

When choosing a policy, you should make an informed decision. The insurance premium should be proportional to the car’s current market value. For example, for a 12-year-old car, it often doesn’t make sense to choose the most comprehensive auto insurance policy. In cases like that, the annual premium is often more than the car’s value.

Car Insurance Requirements in the Netherlands

If you want to get car insurance in the Netherlands, there are a few requirements. First of all, you must be a permanent resident of the Netherlands. If you only live in the Netherlands for a couple of weeks a year, you are not eligible for Dutch car insurance. Second, you must have a European (EU) or EFTA driver’s license. Finally, your car must have a Dutch license plate.

If you’ve been living in the Netherlands for a while, you should use a Dutch driver’s license to get car insurance. Foreign driver’s licenses are only valid for a limited time once you’ve become a resident of the Netherlands.

Get expert help with your car insurance

Do you need help finding the perfect car insurance or applying for a policy? Please contact us. Our car insurance experts can help you with any questions you may have. You can contact us by phone, email, WhatsApp, or Messenger.

Avoid unexpected costs—choose the right additional coverage

Different insurers offer different optional coverages, but most offer the following:

Legal Expenses Coverage

Were you in an accident and do you need to seek compensation? This coverage can help you with that.

If you’ve chosen an all-risk insurance policy, your own insurer will cover any damage to your vehicle. In that case, this coverage is unnecessary. However, if you only have third-party liability coverage, this can be a useful addition. This coverage applies if you’re in an accident in the Netherlands, but it also applies abroad.

Motor Legal Protection Coverage

This additional coverage provides assistance in the event of a legal dispute, or when you need to seek compensation from the person who caused an accident in which you were involved. This coverage also applies if you have a dispute with a car dealer or a repair shop.

This coverage applies both within the Netherlands and abroad, as long as it pertains to the vehicle insured under the policy to which the additional coverage is attached. Please note that specific conditions may apply before this coverage can be used.

Roadside Assistance

In the event of a car breakdown, this coverage can be invaluable. It covers most costs associated with roadside assistance, such as (emergency) repairs or alternative transportation. This coverage is available in three types:

• Netherlands: Coverage in the event of a breakdown within the Netherlands
• Europe: Coverage in the event of a breakdown within Europe
• Europe with a trailer: Coverage in the event of a breakdown involving a vehicle with a trailer attached, within Europe

Make sure you aren’t covered twice for breakdowns; many new cars automatically come with a similar service, and you may already be a member of “de Wegenwacht.”

Personal Accident Coverage

You may not want to think about it, but serious accidents can happen. This coverage helps cover the costs incurred if the driver or a passenger suffers permanent disability or death as a result of an accident.

The occupant must be inside the vehicle when the accident occurs for this coverage to apply. "Inside the car" also includes getting in or out of the car and performing emergency roadside repairs.

The policy provides coverage for a specific amount, which is set in advance when you apply for it. There are several coverage amounts to choose from. Property damage is not covered under this policy. If you wish to insure against property damage, please consider the “occupant injury and property coverage.”

Occupant Injury and Property Damage Coverage

This coverage insures against property damage sustained by the driver or passengers of the car as a result of an accident. This coverage extends to damage to property (clothing, luggage, etc.), loss of income, household assistance, transportation costs, medical expenses, non-material damages, and funeral expenses.

The maximum insured amount per occurrence is usually around €1 million. If you wish to insure against permanent disability or death, please refer to the personal accident coverage.

Some insurers also offer additional coverage for accessories if those accessories exceed a certain value.