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Third-party liability insurance (WA) is the minimum and mandatory coverage in the Netherlands. This insurance covers damage you cause to others with your car. Damage to your own car is not covered. Third-party liability insurance is generally suitable for cars that are about 10 years old or older.

This auto insurance policy offers more comprehensive coverage than third-party liability insurance. In addition to damage to others, limited comprehensive coverage also insures you against damage caused by fire, storms, theft, glass damage, and collisions with stray animals. It is generally suitable for cars that are approximately 6 to 10 years old.

Comprehensive auto insurance is the most extensive type of auto insurance. It covers damage to your own car caused by your own fault, as well as vandalism. This coverage is typically suitable for cars less than 6 years old.

Passenger accident insurance provides coverage in the event of the death or permanent disability of the driver and/or passengers as a result of an accident.

The insurance policy typically pays out fixed amounts based on a benefit schedule. For example, a one-time payment of €7,500 in the event of death and a maximum benefit of €22,500 in the event of permanent disability.

Passenger injury insurance provides coverage for the actual damages sustained by the driver and passengers as a result of an accident.

This includes both property damage and personal injury, such as medical expenses, loss of income, and damage to personal belongings. The insurance often provides coverage up to a maximum of €1,000,000.

We always recommend this additional coverage. Our experience shows that passenger insurance can make a big difference for those involved in the event of a serious accident.

With legal expense insurance for motor vehicles, you are covered for legal assistance with issues related to the ownership and use of a car.

This includes assistance in recovering damages from a liable party or in discussions with a repair shop regarding repairs.

Roadside assistance after an accident is included as standard coverage. For assistance with vehicle breakdowns while on the road, you can purchase supplemental roadside assistance coverage.

With this insurance, you're guaranteed professional roadside assistance. You can choose from different coverage areas, such as the Netherlands or Europe.

In addition to coverage, insurers consider risk factors such as the driver’s age, place of residence, and annual mileage. The premium amount may also increase due to external factors such as inflation and rising repair costs, which insurers factor into the premium.

One of the most frequently asked questions is how to find affordable car insurance that’s also a good fit for you. You can do this by first comparing premiums based on your situation, such as your age, car, and number of claim-free years. With our comparison tool, you can quickly see the differences in price, coverage, and terms.

It’s important to consider not only the price, but also exactly what you’re getting. For example, a slightly more expensive car insurance policy might sometimes be a better choice because it offers more comprehensive coverage and better terms. So choose a policy that suits your car and matches its value.

This way, you can avoid being underinsured or paying too much for your car insurance. It’ll help you find the best car insurance for you. Do you already have insurance? Then you can quickly see if another car insurance policy is a better fit for you. Want to switch? Be sure to cancel your current policy only after your application for the new insurance has been accepted, to avoid being left without coverage.

Finally, you can further lower your premium by making informed choices. Consider opting for lower coverage or a higher deductible. Also, take a critical look at supplemental insurance and compare the various supplemental coverage options so that you choose only what truly fits your situation. In addition, compare payment terms; with some insurers, paying annually may be more cost-effective than paying monthly.

Claim-free years are the years in which you do not file a claim, and they form the basis for your premium discount. The more claim-free years you have accumulated, the higher your discount. This discount is determined using the bonus-malus scale, a system that insurers use to increase or decrease your premium based on your claims history.

The no-claims discount can be as high as 80 percent. If you file a claim for damage for which you are liable, you will generally lose 5 claim-free years. As a result, you will usually pay a higher premium, unless you have no-claims protection. Exactly how no-claims protection works varies by insurer.

In the event of severe damage, such as after a car accident, the insurer assesses whether repairs are still possible and cost-effective. If the repair costs exceed the current market value, the car is often declared a total loss.

In that case, you will usually receive a payout equal to the car’s current market value. Keep in mind, however, that the amount of the reimbursement depends on your coverage, and that replacement transportation will be reimbursed if the damage is covered by your insurance and you meet the conditions.

You can easily report a claim through our online customer portal or by contacting us by phone. You can fill out all the necessary information using the online form. As soon as we receive the completed claim form, we will contact you to process the claim further.

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.

In addition to the various coverage options, you can choose from supplemental auto insurance policies that offer extra protection. These include passenger insurance, legal assistance, and roadside assistance.

Which additional coverage makes sense depends on your personal situation and how you use your car. By choosing only the relevant add-ons, you can keep your premium affordable.

The regular driver is the person who drives the car most often. This does not necessarily have to be the car’s owner, but must be correctly stated when taking out the insurance policy. The regular driver affects the premium, because insurers assess the risk based on age and driving experience. If this information is incorrect, it may have consequences when filing a claim.

A Dutch license plate number is required to purchase insurance. Insurers use the license plate number to retrieve vehicle information and calculate the premium. If you don’t know the Dutch license plate number yet, we can still calculate a preliminary premium based on the make and model of the vehicle.

Please note that this premium may change once the license plate number is known and all details have been definitively verified. In situations such as import or export, temporary solutions are sometimes possible.

When you purchase auto insurance, you’ll automatically receive an international insurance certificate (Green Card). Do you have auto insurance through Alpina? If so, you can easily request your Green Card through the online customer portal. Log in, follow the steps, and receive the document digitally so you always have access to it.