Car insurance
Which cover suits you?
Third-party liability (mandatory)
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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.
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Damage to others
i This is the basic coverage and cheapest auto insurance. It covers the damage you cause with your car to third parties, but not the damage to your car.
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Theft, joyriding and loss
i In addition to the WA coverage, theft damage is now also covered. Damage to your car that you have caused yourself (by a collision, for example) is not compensated with this car insurance.
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Windscreen damage
i Windscreen damage involves damage to the window itself and consequential damage caused by glass fragments. Note: If the windshield damage is caused by an accident, it is not covered by limited hull coverage.
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Damage by fire or natural disaster
i In addition to third-party coverage, damage caused by fire or natural disasters is now covered.
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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.
Limited airframe
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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.
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Damage to others
i This is the basic coverage and cheapest auto insurance. It covers the damage you cause with your car to third parties, but not the damage to your car.
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Theft, joyriding and loss
i In addition to the WA coverage, theft damage is now also covered. Damage to your car that you have caused yourself (by a collision, for example) is not compensated with this car insurance.
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Windscreen damage
i Windscreen damage involves damage to the window itself and consequential damage caused by glass fragments. Note: If the windshield damage is caused by an accident, it is not covered by limited hull coverage.
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Damage by fire or natural disaster
i In addition to third-party coverage, damage caused by fire or natural disasters is now covered.
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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.
All Risk (WA+Casco)
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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 coverage and cheapest auto insurance. It covers the damage you cause with your car to third parties, but not the damage to your car.
-
Theft, joyriding and loss
i In addition to the WA coverage, theft damage is now also covered. Damage to your car that you have caused yourself (by a collision, for example) is not compensated with this car insurance.
-
Windscreen damage
i Windscreen damage involves damage to the window itself and consequential damage caused by glass fragments. Note: If the windshield damage is caused by an accident, it is not covered by limited hull coverage.
-
Damage by fire or natural disaster
i In addition to third-party coverage, damage caused by fire or natural disasters is now 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.
With Alpina's handy comparison tool, you can easily and quickly compare premiums of cheap car insurance from different insurance companies. That way, you never pay too much for car insurance. Insuring your car only takes a few minutes and after taking out your policy you will, in most cases, receive provisional coverage so that your car is insured immediately, even at the weekend!
Advice from our expert
Comparing auto insurance almost always pays off. Premiums may have increased or your personal situation may have changed. That's why we recommend comparing your car insurance every year.
Expert car insurance
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:
- What coverage did you choose?
- How many claim-free years have you accumulated?
- How many miles you will drive the car
- What is your age?
- What is your zip code?
Click here for more information on comparing insurances.
We compare different insurers for your car insurance
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.
Car insurance | Cover | Monthly premium | |
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ASR | WA | โฌ18,86 | Calculate premium |
Zero | WA | โฌ22,24 | Calculate premium |
Nationale Nederlanden Schadeverzekering NV | WA | โฌ22,31 | Calculate premium |
Voogd & Voogd | WA | โฌ24,37 | Calculate premium |
Avero | WA | โฌ28,51 | Calculate premium |
Rhion | WA | โฌ36,09 | Calculate premium |
Top 8 Cheapest Car Insurance All Risk September 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.
Insurer | Cover | Monthly premium | |
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ASR | All risk | โฌ29,20 | Calculate premium |
Nationale Nederlanden | All risk | โฌ31,75 | Calculate premium |
Voogd & Voogd | All risk | โฌ35,07 | Calculate premium |
Zero | All risk | โฌ 45,62 | Calculate premium |
Rhion | All risk | โฌ 46,22 | Calculate premium |
Avero | All risk | โฌ 55,32 | Calculate 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 are (temporarily) without a driver's license. However, you are required by law to have car insurance for your vehicle. The RDW (Department of Road Transport) checks this and can issue fines if you do not comply. You caninsure acar without 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. From that moment on, your details as owner are known to the Rijksdienst voor het Wegverkeer (RDW). A car that has already been transferred into your name, but is still at the seller, for example, must be insured in your name from the moment it is registered. It is not obligatory to insure your car for limited hull or All Risk. Read more
How does it work with claim-free years?
How many claim-free years you have accum ulated can be found on your policy schedule. Not sure? Check with your insurer or intermediary. This way you avoid a change in premium afterwards if the claim-free years were not correct.
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 โฌ10,000.00 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.
Why get car insurance from Alpina?
Alpina was created from a merger between two big names in finance, Voogd & Voogd group and the Heilbron group with strong brands such as Heilbron and Diks Insurance. Together we have more than 110 years of experience.
Today, Alpina is the fourth largest financial services provider in the Netherlands and we serve more than 800,000 clients. You can find us both online and offline. You can easily arrange all your affairs online at Alpina,nl, but you can also always drop in at an Alpina branch near you. We have more than 15 physical branches throughout the country.
Your financial expert
Alpina employs over 600 experts who provide you with expert advice. We not only have experts in private insurance, such as car insurance and scooter insurance, but also experts in mortgages, pensions, brokerage and business insurance.
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