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To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.
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Your car insurance coverage

We look at your car, compare a wide range of auto insurance policies and help you choose the appropriate coverage.

Third-party liability (mandatory)

  • Free recovery service
  • Damage to others
  • Theft, joyriding and loss
  • Windscreen damage
  • Damage by fire or natural disaster
  • Own damage caused by a collision

Limited airframe

  • Free recovery service
  • Damage to others
  • Theft, joyriding and loss
  • Windscreen damage
  • Damage by fire or natural disaster
  • Own damage caused by a collision

All Risk (WA+Casco)

  • Free recovery service
  • Damage to others
  • Theft, joyriding and loss
  • Windscreen damage
  • Damage by fire or natural disaster
  • Own damage caused by a collision

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 damage caused by liability to the other party. The damage amount can be considerable, especially if the other party becomes disabled. Do you go 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 choose more extensive coverage or additional insurance.

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. However, which car insurance policy is best for you depends on several factors. For more information about the insurance types, please refer to the further explanation of the third-party, limited hull and all-risk car insurance.

Do you also need additional insurances?

In addition to standard coverage, you can also 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.

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.

Additional coverages for greater security

In addition to choosing the right coverage for your car insurance, you can also compare and purchase various additional coverages.

Recovery service

If you purchase insurance at Alpina.nl you get additional coverage for free

Recovery Legal Aid
va. 2 ,24 p/month

Insured of legal help in recovering damages from a traffic accident. At home and abroad.

Motor Vehicle Legal Assistance
from 1 ,02 p/month

Insured of legal help in traffic disputes. At home and abroad. With the vehicle insured on the policy.

Occupant accidents
v.a. 3 ,54 p/month

Accidental occupant insurance pays fixed amounts in the event of death or permanent disability of the driver and/or passengers.

Occupant damage
va. 2 ,24 p/month

This insurance pays for material damages suffered by the driver and passengers due to an accident.

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We pick out the fine print for you

"Comparing car 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."

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photo Laura van Maarschalkerweerd

Laura - Expert auto insurance

Expert car insurance for years

Background expert photo Laura van Maarschalkerweerd
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Top 6 cheapest car insurance policies in 2024

€ 200 cheaper on an annual basis

€ 15,-

€ 20,-

€ 25,-

€ 30,-

€ 35,-

€ 40,-

**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

Top 6 cheapest car insurance All Risk June 2024

€ 200 cheaper on an annual basis

€ 20,-

€ 30,-

€ 40,-

€ 50,-

€ 60,-

*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

Better insured when you buy car insurance through Alpina

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.

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.

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. Do you 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!

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.

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 can insure a car with us 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 casco or All Risk. Read more about when car insurance is mandatory here

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.

Read all about building claim-free years here

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 €10,000.00 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 will need your vehicle 's registration code when you transfer the vehicle to another owner's name, when you apply for a license plate suspension, when you have the license plate cancelled at the registration desk, or when you scrap the vehicle.

All frequently asked questions

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 will 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.

We can be reached via Chat, Whatsapp, phone or email

Please feel free to contact us if you would like to know more.
We are here Monday to Friday from 08:00 to 18:00.

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