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.

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!