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Insurance assessment
cheap-car-insurance

Car insurance

Cheap Car Insurance

Now with free recovery service
  • i To calculate the premiums, we need the postal code of the main driver. In case of private use, the youngest driver must reside at the same address as the applicant. In case of business use you can fill in the postal code of the company.
Finish online
Finish online
14-day cooling-off period
14-day cooling-off period
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Insurance assessment

Which cover suits you?

Free recovery service
i Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
Damage to others
i This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
Theft, joyriding and loss
i Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
Windscreen damage
i Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
Damage by fire or natural disaster
i In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
Own damage caused by a collision
i Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
Third-party liability (mandatory)
Calculate Premium More information
All Risk (WA+Casco)
Calculate Premium More information

Which cover suits you?

Third-party liability (mandatory)

  • Free recovery service
    i Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
  • Damage to others
    i This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
  • Theft, joyriding and loss
    i Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
  • Windscreen damage
    i Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
  • Damage by fire or natural disaster
    i In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
  • Own damage caused by a collision
    i Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
Calculate Premium More information

Limited airframe

  • Free recovery service
    i Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
  • Damage to others
    i This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
  • Theft, joyriding and loss
    i Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
  • Windscreen damage
    i Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
  • Damage by fire or natural disaster
    i In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
  • Own damage caused by a collision
    i Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
Calculate Premium More information

All Risk (WA+Casco)

  • Free recovery service
    i Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
  • Damage to others
    i This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
  • Theft, joyriding and loss
    i Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
  • Windscreen damage
    i Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
  • Damage by fire or natural disaster
    i In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
  • Own damage caused by a collision
    i Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
Calculate Premium More information

What is car insurance?

Everyone who has a car in their name is obliged to insure it. In the Netherlands, you are legally obliged to take out at least third-party coverage for your car. WA stands for legal liability. This coverage compensates for damage caused by liability to the other party. The damage amount can be substantial, especially if the other party becomes disabled. Are you going on the road with an uninsured car? Then you risk a hefty fine from the RDW. The premium for this coverage forms the basis for your insurance. You can also opt for more extensive coverage or additional insurances.

What types of coverages are there in auto insurance?

Besides the legal WA coverage, you can also choose for the WA limited casco or for the most extensive car insurance, the All risk car insurance (WA casco). With the limited casco car insurance you get for example also fire damage, broken windows and damage due to collision with stray animals paid. The All-risk car insurance is a further extension of the coverage. This car insurance also covers damage to your own car caused by your fault. Which car insurance policy is best for you depends on several factors. For more information about the types of insurance, we would like to refer you to the further explanation of the third-party, limited casco and All-risk car insurance.

Do you also need additional insurances?

In addition to standard coverage, you can choose additional insurance. Frequently chosen insurances are accident passenger insurance and damage passenger insurance. These policies pay out an amount in the event of damage to the occupants or their belongings as a result of an accident. Legal assistance and even roadside assistance can also be insured. Through 112schade.nl we offer a free recovery service. After a collision where the other party is guilty of, the damage to your car is recovered free of charge from the other party.

What factors play a role when comparing car insurances?

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?

Click here for more information on comparing insurances.

Compare premiums online for cheap car insurance!

  • i To calculate the premiums, we need the postal code of the main driver. In case of private use, the youngest driver must reside at the same address as the applicant. In case of business use you can fill in the postal code of the company.

Where can I find cheap car insurance?

You can find cheap car insurance very easily online. At Alpina.nl you can easily and quickly compare car insurance companies with our handy online comparison tool. Compare different premiums and coverages to see which one is most suitable for your personal situation. This doesn't have to take long. Within five minutes you can already be comparing cheap car insurance.

Compare cheap car insurance

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, as well as 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.

Which type of insurance should I choose?

Several factors come into play when choosing a form of insurance. For example, you can think about the age and the 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. The choice for the best coverage should be well-considered. After all, the premium should be in proportion to the current 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 daily value of your car weighs heavily in this regard.

What do you need to calculate insurance?

We have made calculating your car insurance premium easy. To calculate via Alpina.nl you only need the registration number 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 take out the insurance? Then we also need the license plate number and the registration code of the car.

Buying or changing 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 after the RDW inspection or WA coverage during the export of a vehicle.

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.

Sometimes you need a little help finding the best insurance for your car. Still have questions? Or are you having trouble comparing insurance? Then check out our frequently asked questions about car insurance. Not quite there yet? Then don't hesitate to contact us!

Top 8 Cheapest car insurance policies in 2023

What is the cheapest car insurance in 2023? If you are going to buy car insurance you are probably looking for insurance that is as cheap as possible. Besides the fact that car insurance should be cheap, it is also important that the car insurance suits your needs. We therefore always advise you to compare car insurance. That way you will find out which car insurance suits you best.

*The premiums are based on a fictitious person driving a Citroen C1. The person is a male, 40 years old, based in Goes with 10 claim-free years. The calculation was made in January 2023 with the calculation tool of Alpina.nl
Car insuranceCoverMonthly premium
ASRWAโ‚ฌ18,86Calculate premium
ZeroWAโ‚ฌ22,24Calculate premium
Nationale Nederlanden Schadeverzekering NVWAโ‚ฌ22,31Calculate premium
Voogd & VoogdWAโ‚ฌ24,37Calculate premium
AveroWAโ‚ฌ28,51Calculate premium
RhionWAโ‚ฌ36,09Calculate premium

Top 8 Cheapest Car Insurance All Risk March 2023

If you are going to compare car insurance you are probably looking for insurance that is as cheap as possible. Besides the fact that car insurance should be cheap, it is also important that the car insurance suits your needs. We therefore always advise you to use a comparison tool. That way you will find out which car insurance policy suits you best.

*The premiums are based on a fictitious person driving a Citroen C1. The person is a male, 30 years old, based in Goes with 10 claim-free years. The calculation was made in January 2023 with the calculation tool of Alpina.nl
InsurerCoverMonthly premium
ASRAll riskโ‚ฌ29,20Calculate premium
Nationale NederlandenAll riskโ‚ฌ31,75Calculate premium
Voogd & VoogdAll riskโ‚ฌ35,07Calculate premium
ZeroAll riskโ‚ฌ 45,62Calculate premium
RhionAll riskโ‚ฌ 46,22Calculate premium
AveroAll riskโ‚ฌ 55,32Calculate premium

Frequently asked questions about car insurance

Can you get car insurance without a driving licence?

Not all insurers can insure your vehicle when you yourself are (temporarily) without a driver's license. However, you are required by law to have car insurance for your vehicle as a license holder. The RDW (Dutch Vehicle Authority) carries out checks on this and can issue fines if you do not comply. You can, however,insure acar with uswithout having a driver's license.

When am I obliged to insure my car?

You are required by law to insure a car as soon as the license plate is placed in your name. Your details as owner are known to the Rijksdienst voor het Wegverkeer (RDW) from that moment. A car that has already been transferred into your name, but is still with the seller, for example, must be insured in your name from the time of registration. It is not mandatory to insure your car for limited casco or All Risk. Read more

How does it work with claim-free years?

You can seehow many claim-free years you have accumulated on your policy schedule. Not sure? Check with your insurer or intermediary. This will prevent the premium from changing later on if the claim-free years were incorrect.

Read all about building up claim-free years

Until when is all-risk insurance advisable?

The daily value of a car is the determining factor in choosing All Risk car insurance. Usually you see All Risk coverage when a car has more than โ‚ฌ10,000.00 of daily value remaining. Sometimes one looks at the year of construction. In that case, you often see that cars up to 8 years old are All Risk insured.

What is a registration code?

You need the registration code when you transfer the vehicle to another owner's name, when you request a suspension of the license plate, when you have the license plate cancelled at the registration desk, or when you scrap the vehicle.

View all frequently asked questions

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Customers about car insurance

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26-01-2023
Ch de graaff
Quick and clear to fill in ! Comparison is fast !
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03-11-2022
Riet Mol-van Hommert
kindly answered
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21-10-2022
Raymond Koeiman
Because of that my income is irregular I find through a link payment is great.

Compare cheap car insurance online!

  • i To calculate the premiums, we need the postal code of the main driver. In case of private use, the youngest driver must reside at the same address as the applicant. In case of business use you can fill in the postal code of the company.

How do we do it?

Last updated: 23-02-2023

Financially certainly.

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