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8.1
Insurance assessment
cheap-car-insurance

Cheap car insurance: insure your car directly online

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
8.1
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

With Alpina's handy comparison tool, you can easily and quickly compare car insurance premiums from different insurance companies. That way, you'll never pay too much for car insurance. Your CAR INSURANCE only takes a few minutes and after the conclusion you will receive, in most cases, a provisional coverage so that your car is insured immediately, even on weekends!

What is car insurance?

The most important and obligatory part of a car insurance is the third party liability insurance. WA stands for third party liability. This coverage ensures the compensation of damage caused by liability to the other party. The amount of damage can be considerable, especially if the other party becomes disabled. The premium for this coverage is the basis for the insurance. In addition you can choose an extension which also includes compensation for damage to your car. Which car insurance best suits you depends on several factors.

What types of cover are there?

Beside the legally compulsory WA car insurance, you can choose for WA limited casco or for the most extensive car insurance, the all risk car insurance. The limited hull insurance pays out for instance for fire damage, broken windows and damage because of a collision with stray animals. The all risk car insurance is a further extension of the cover. This car insurance also covers the damage caused by your fault. For more information about the different types of insurance, please read the explanation about the WA, limited casco and all risk car insurance.

Which type of insurance should I choose?

When choosing a type of insurance, various factors play a role. For example, the age and the current value of the car, but also the accumulated years without claims. If you have several years of damage-free driving, you can often choose the most comprehensive insurance for a fairly low premium. The choice for the best coverage should be well-considered. The premium should be in proportion to the current value of the car. For example, for a 12 year old car it is often not worthwhile to choose the most extensive car insurance. The current market value of your car is an important factor.

Take out car insurance directly

You can take out a car insurance with us directly after you have calculated the premium. By filling in the acceptance and closing questions you are applying for an insurance policy. Depending on the information you have provided, you can either immediately obtain provisional cover. If you do not receive provisional cover immediately, the company will assess your application. In most cases you will receive a response within 1 hour on working days.

Customers about car insurance

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Riet Mol-van Hommert
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What factors play a role when comparing car insurances?

Factors that play an important role in determining the premium:

  1. What cover have you chosen?
  2. How many claim-free years have you accumulated?
  3. What is your age?
  4. What is your postcode?

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.

Do you also need additional insurances?

In addition to the standard coverage, you can choose additional insurances. The most frequently chosen insurances are the accident passenger insurance and the damage passenger insurance. These insurances pay out an amount in case of damage to the passengers or the possessions of the passengers as a result of an accident. You can also insure legal aid and even breakdown assistance. Via 112schade.nl we offer you a free recovery service. After a collision where the other party is at fault, the damage to your car is recovered from the other party free of charge.

Buying or changing cheap car insurance

It is easy to take out a car insurance policy online. With the help of the license plate, all data of the car can be found. Furthermore, you only need the accrued claim-free years of your current car insurance and the calculation and comparison can begin. Is your car still insured with an insurer that is too expensive? With our cancellation service we can cancel the existing car insurance. Choosing another car insurance can save you hundreds of euros per year in premiums.

What do you need to calculate insurance?

We have made calculating car insurance premium easy. To calculate via Alpina.nl you only need the license plate number of your car and the number of accrued claim-free years. Of course, you will need to enter more for an accurate calculation, but you will know the rest of the answers by heart. To insure the car, you will eventually need a license plate number and a report code.

Insuring a car without a driving licence

Normally, insuring a car is easy. Without a driving licence, it is more difficult, but don't panic. Even in that case, you can still compare car insurance and choose the insurance which is the most suitable for you in terms of conditions and premium level. In our car insurance comparer, we have already made a distinction between insurers who require a driving licence and those who do not. You can therefore use the comparator to insure a car without a driving licence.

Temporary car insurance

If you need a temporary car insurance, we also have possibilities. Think of an insurance to drive after the RDW inspection or a WA coverage during the export of a vehicle.

Click here for the frequently asked questions on car insurance.

Frequently asked questions about car insurance

Can you get car insurance without a driving licence?

Not all insurers can insure your vehicle if you yourself (temporarily) do not have a driving licence. However, you are obliged by law to have vehicle insurance for your vehicle as the holder of the registration certificate. The RDW (Dutch Road Traffic Authority) carries out checks on this and can issue fines if you do not comply. Read more>

What factors play a role when comparing car insurance?

When comparing car insurance, there are several factors that influence the amount of the premium. Important factors are:

  • What cover have you chosen?
  • How many claim-free years have you accumulated?
  • What is your age?
  • What is your postcode?

Read more about this>>

When am I obliged to insure my car?

You are legally obliged to insure a car as soon as the license plate is put in your name. From that moment, your details as the owner are known to the RDW. A car that has already been transferred to your name, but is still with the seller, for example, must be insured in your name from the time of transfer. It is not mandatory to insure your car for limited casco or All Risk. Read more

What supplementary insurances are there?

Some additional coverages are very useful. We will explain all the possibilities to you. So you can make an informed choice.

Check the pros and cons of supplementary insurances

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

What information do I need to take out car insurance?

In addition to the details of the driver and the applicant (this can be the same person), we also need the car's registration number and reporting code . The registration code is the last four digits of the chassis number.

  • License plate
  • Reporting code
  • Bank number
  • Address of applicant and driver
  • Date of birth of applicant and driver
Which car insurance is the cheapest?

The cheapest car insurance is insurance with only third-party cover. In that case, only the damage you cause to another person is covered. Damage to your own vehicle is not covered.

From what age is car insurance cheaper?

Most insurers have a higher premium for young drivers. Often the limit is 24 years or younger, but there are also insurers who apply a limit of 30 years.

Until when is all-risk insurance advisable?

The current market value of a car is decisive for choosing All Risk car insurance. Usually you see an All Risk cover when a car has a daily value of more than € 10.000,00. Sometimes people look 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 will need the registration code if you are transferring the vehicle to the name of another owner, if you are requesting a suspension of the registration number, if you are cancelling the registration number at the registration desk or if you are scrapping the vehicle.

View all frequently asked questions

What is the cheapest car insurance in the Netherlands

Are you looking for the Cheapest car insurance in the Netherlands? It depends on a lot of factors! It is therefore not easy to find the cheapest car insurance in the Netherlands because premiums vary from person to person. To calculate the cheapest car insurance in the Netherlands for yourself, we always advise to use our comparison tool. With the tool you can easily and quickly compare premiums of different insurers. Based on the data you entered, the tool determines which insurance policy is the cheapest for you. An insurer will look at the following data, among others:

  • Date of birth
  • Postal code and house number
  • Kilometres per year
  • Claim-free years
  • License plate
  • Desired form of coverage.

Top 8 Cheapest Car Insurances in 2022

What is the cheapest car insurance of 2022? When you get car insurance, you are probably looking for insurance that is as cheap as possible. Apart from being cheap, it is also important that the car insurance meets your requirements. Therefore, we always advise you to compare car insurance. This way you can find out which car insurance is best for you.

*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 2020 with the calculation tool of Alpina.nl
Car insuranceCoverMonthly premium
ASR Advantage PackageWA€16,09Calculate premium
Nationale Nederlanden Schadeverzekering NVWA€17,79Calculate premium
AutoPrismaPolisWA€18,41Calculate premium
Allianz Car InsuranceWA€24,59Calculate premium
AutoExcellentPolisWA€24,99Calculate premium
Avero Calmly on the RoadWA€26,21Calculate premium
Avero Achmea well on the wayWA€26,95Calculate premium

Top 8 Cheapest Car Insurance All Risk December 2022

When you compare car insurance, you are probably looking for insurance that is as cheap as possible. Besides the fact that the car insurance has to be cheap, it is also important that the car insurance fits your needs. Therefore, we always advise you to use a comparison tool. This way you can find out which car insurance is best for you.

*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 2020 with the calculation tool of Alpina.nl
InsurerCoverMonthly premium
ASR Advantage Package Trade-in PlusAll risk€29,13Calculate premium
ASR Advantage Package Free choiceAll risk€30,79Calculate premium
ASR Advantage PackageAll risk€31,44Calculate premium
Avero quietly on its wayAll risk€31,54Calculate premium
ASR Advantage package free choiceAll risk€33,56Calculate premium
AutoExcellentPolisAll risk€36,08Calculate premium
Nationale NederlandenAll risk€38,89Calculate premium
AutoPrismaPolisAll risk€43,54Calculate premium

What does car insurance cost?

The cost of car insurance depends on various factors. These are the most common factors:

  • Age of driver
  • Town/City
  • Vehicle weight
  • Value of the vehicle
  • Number of kilometres the vehicle will be driven
  • Power of the vehicle
  • Already accumulated claim-free years

Calculate the costs!

car insurance costs

What are important things about the policy conditions?

Reading policy conditions is not the nicest thing to do. That's why we've put the most important ones in a row. Clear and simple.

Read more

reading time 3 minutes

What is the registration code of a car?

Where can you get the registration code for a car? The registration code consists of the last 4 digits of the chassis number, the identification code or the frame number. The insurance company needs the registration number and the reporting code to register your car insurance with the RDW.

The combination of the registration number with the reporting code is unique. Without these two details, a company cannot insure your vehicle. The registration code is located at the top right of the vehicle registration certificate, where your name is shown. read more>

What supplementary insurances are there?

Some additional insurances are very useful. We will explain all supplementary insurances to you. That way, you can make an informed choice.

Check the pros and cons of supplementary insurances

reading time 4 minutes

Buy car insurance

This way, you can take out a car insurance policy in 4 steps:

  1. Enter your license plate, postal code, date of birth and claim-free years
  2. Choose the right cover for your car: third party, third party+ or all-risk
  3. Compare the different providers for premium and cover
  4. Take out your car insurance.

Car insurance for young people

Young people under 24 years of age are considered a risk group by insurers. Car insurance for young people is therefore considerably more expensive. However, the difference in premiums varies widely. The difference between the cheapest and the most expensive provider can even amount to 1000 Euros. To save on car insurance, it is therefore worthwhile to compare car insurance premiums.

Acceptance for everyone

Alpina has insurance for every type of vehicle and driver. You can also compare car insurance premiums if you have been behind on premiums once or had to claim multiple claims.

Transfer assistance

Want to switch from your current insurer to Alpina.nl, but are dreading all the hassle? No need! Switching to Alpina is very easy with our free cancellation service. It works like this:

  • Calculate your premium and insure your vehicle
  • Download the free cancellation letter
  • Sign the letter and send it to your insurer

So you can calculate a car insurance in 3 easy steps:

  1. Fill in the registration number your postcode and date of birth
  2. Choose the right cover for your car: third-party, third-party+ or all-risk (see coverages)
  3. Close your cheap car insurance

Third-party liability (WA)

This is the basic cover and the lowest premium. The damage you cause to third parties with your car will be compensated, but not the damage to your car.

Read more

reading time 1 minute

Limited cover (WA plus or WA+)

In addition to third-party cover, other damage is now also compensated for, including fire, theft, storm and broken windows. This is called limited casco. Damage to your car caused by yourself (e.g. a collision) is not compensated for.

Read more

reading time 1 minute

Full casco (all risk)

This is the most extensive coverage. Everything that is covered under limited hull is covered, but now all other damage is covered as well.

Read more

reading time 1 minute
Report damage

Do you have a damage? Then you can report it online using the form below. Do you need a towing service urgently? On your green card you will find the telephone number of the emergency service to which your insurance company is affiliated.

If you have coverage for windscreen damage, you can call in a windscreen repairer who is listed on your green card. In most cases the glass repairer will settle the claim with your insurance company.

Click here to report a claim online.

Report a change

Do you want to adjust your insurance or has something changed in your personal situation? You can reportdifferent types of changes.

  • Change personal data
  • Change of address
  • Changing other insurance
  • Cancelling insurance
Immediate coverage possible, 24/7

The insurance can be calculated and concluded 24 hours a day, 7 days a week. In most cases, you get coverage immediately so you can get your car on the road quickly.

Close within 5 minutes

When you take out insurance online, you want cover immediately. That's why we show you what you can expect. You can insure your car within 5 minutes. You choose your own cover and excess, so you never pay too much. Your application is assessed immediately and takes effect when you want.

Money back guarantee! 14-day cooling-off period

When you take out insurance with us, you have a 14-day cooling-off period. This means that you can cancel the insurance within 14 days without giving any reason. Click here for the conditions.

How do we work?

There are a lot of providers in the market for financial products and services. We have made a careful selection with a number of insurance companies that we do business with. We have made this selection based on criteria such as premium, but also quality of conditions, experiences with the institution and how a company acts when a claim is made. When comparing insurances we look at your personal situation and specific wishes regarding coverage. Alpina makes insurance easy and fast.

Supervision

Alpina complies with all legal requirements of the AFM. Thus, we have the necessary licenses and diplomas and we are affiliated with the Financial Services Complaints Institute(Kifid).

Recovery service

Alpina cooperates with 112schade.nl to recover non-covered damage 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.

112 damage

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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: 16-11-2022

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