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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.
Finish online
Finish online
14-day cooling-off period
14-day cooling-off period
Insurance assessment

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

Getting car insurance through Alpina.nl is easy. After answering a few questions, you will already know which car insurance is the best choice for you. Important points when taking out car insurance, we would like to explain to you.

When do you take out car insurance?

As the owner of a car, you are legally obliged to insure it. This obligation to insure applies from the moment the license plate is registered in your name. The most important and obligatory part is the third-party insurance. Everyone who owns a car with the registration number in his or her name is obliged to have at least a third-party insurance.

What do you need to take out car insurance?

To take out a car insurance policy, you need the car's registration number and the reporting code. For a premium calculation, enter the license plate, your postal code and house number. Based on the license plate, the detailed data of the car will be retrieved. We also ask what the new value of your car was and what the current market value is. This comes in handy later when calculating the premium. For the calculation of the premium, it matters where you live and possibly your age. In general, the premium is higher in busy urban areas than in rural areas. If you are under 24 years of age, your age will also be a factor in determining the premium. For young drivers, the premium is higher than for drivers aged 24 and above.

What do you need to pay attention to when you take out a loan?

Choosing the right type of insurance is very important. You can choose between the following three types of insurance:

The number of claim-free years accumulated is of great importance when taking out a car insurance policy. Insurers reward their clients who do not cause damage with claim-free years. One year without a claim on the car insurance means one claim-free year. In this way you can build up a discount of up to 75%. With some insurers the discount can even be as high as 85%.

How long does it take to get car insurance?

We have made taking out car insurance easy. After entering a few details, the insurance policies tailored to your needs appear, along with their premiums and policy conditions. You can easily compare them. Once you have found a suitable insurance, you can take out your policy directly online.

In some cases, insurance is customised. This is the case, for example, if your car does not yet have a registration number. Is your car difficult to insure because you are going to use it as a training car? At GeenNee.nl, we offer the solution. It is not for nothing that we are specialists in insuring everything on wheels. Even when things get a bit tricky, we just offer a solution.

Car insurance with a CIS registration

Stichting CIS stands for Stichting Centraal Informatie Systeem. The Central Information System is a system in which data about consumers is registered. Stichting CIS promotes the interests of insurers. Insurance companies can consult CIS to obtain, store and exchange information about their customers. A CIS registration has to do with your insurance history. You may be registered with Stichting CIS for various reasons. It is about data that gives the insurer insight into the customer's insurance history. With a CIS registration your car insurance will most likely not be accepted by a regular insurer.

Reasons why you cannot get car insurance

There are a number of reasons why you cannot get car insurance from a regular insurance company. These reasons are discussed below.

Criminal record

Having a criminal record can be a reason for an insurance company not to accept your application for car insurance. Why an insurer asks for your criminal record is because most insurers feel it says something about your credibility. Of course, your criminal record may be related to your driving record, in which case it is quite logical that an insurer would want to know if you have a criminal record. You are required to disclose your criminal record at the time of underwriting unless the criminal record is older than eight years. You are not required to disclose why you have the criminal record, however in certain cases, when it is a minor offence not related to your driving record, it can sometimes be to your advantage to do so.

Driving disqualification

After a driving disqualification, it can be difficult to get car insurance. There are many reasons why you can get a driving disqualification. The length of the disqualification also varies. A driving disqualification can have unpleasant consequences for taking out a new car insurance.

Claims filed too often

A common reason for refusal is that your insurance history shows that you have made repeated claims. In this case, the insurer will assess you as too high a risk and consider your car insurance refused.

Wrongful CIS registration

You may have an unjustified CIS registration. Initially, the application for your car insurance will be refused.

Not having insured your car for too long

When you drive around uninsured for too long, you not only risk fines. It can also have very big consequences if you cause damage. You will have to pay for the damage yourself and that can be quite considerable. There is also a chance that an insurer will no longer insure a car that has been uninsured for a long time.

Just got your driving licence and want to insure an expensive fast car right away

For young people under the age of 24, the options for insuring an expensive fast car are very limited. Many insurers refuse to insure young people with above-average fast cars.

Long stay abroad

If you go abroad for a long stay, you should always report this to your insurer. If you do not live in the Netherlands, you cannot take out car insurance in the Netherlands. This means that your car insurance will be terminated as soon as you deregister in the Netherlands.

You are registered as a defaulter what now?

It can happen to anyone that you forget to pay the premium for your car insurance (on time). Perhaps there is not enough balance in your bank account at the time, which means you do not or cannot pay the premium. If you fail to pay the premium once or late, you will not immediately be considered a defaulter. If you fail to pay for a longer period of time, you will be registered as a defaulter. As a result, you may be refused when you want to take out a new car insurance.

De Vereende car insurance

If it is not possible to take out car insurance with a regular insurance company for the reasons mentioned above, Alpina offers a solution. De Vereende (formerly Rialto Verzekeringen) is the company that is willing to insure special risks where regular companies drop out.Alpina is a De Vereende intermediary. This means that you can take out insurance with us from De Vereende.

What else do we do for you?

Our service does not stop after the insurance has been taken out. In case of damage, we help you recover the damage from the other party. We do this with 112schade.nl. We can also take care of the cancellation of your current car insurance. If you have any questions, we are happy to help by telephone. You can reach us by phone: 030-6883700.

How can you cancel a car insurance policy?

We can cancel your current car insurance with our cancellation service. When selling your car, you can always cancel your current insurance. There may be restrictions on switching insurances. In the first year, a car insurance can in principle not be cancelled. Read all about cancelling an insurance policy here.

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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 change your car 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

Car insurance benefits at Alpina.nl

Immediate coverage possible, 24/7

Car insurance can be calculated and taken out 24 hours a day, 7 days a week. In most cases, you also get coverage right away, allowing you to get your car on the road quickly.

Close within 5 minutes

When you take out a car insurance policy online, you want cover immediately. That's why you can see where you stand. You can insure your car within 5 minutes. You can choose your own cover and excess, so you never pay too much. Your application will be reviewed immediately and will take effect when you wish.

Money back guarantee! 14-day cooling-off period

When you take out car insurance with us, you have a 14 day cooling off period. This means that you can cancel the insurance policy within 14 days without having to give reasons.

How do we work?

We are an independent intermediary. This means that we have no financial or production obligations to any company. And that is a great advantage for you. We are always looking for the product with the lowest premium and the best conditions.


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

Get cheap car insurance online now!

Now with free recovery service
  • 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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