Insure Your Car Right Away
Just bought a new car? You can take out car insurance online right away. That’s convenient if you want to hit the road immediately. It’s mandatory to have at least third-party liability car insurance as soon as the car is registered in your name. With Alpina, your car is insured and approved immediately.
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Get Car Insurance Right Away
You can easily insure your car online in just 4 steps:
- Enter the license plate number, some personal information, and your number of claim-free years
- Choose a coverage plan and select any additional coverage options
- Compare providers and choose the car insurance that's right for you
- Sign up for the car insurance plan of your choice right now online!
Want to get car insurance right away? Calculate your premium!
Choose your desired coverage right away
The cost of car insurance depends, among other things, on the coverage you choose.
Third-Party Liability (Mandatory)
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
Limited casco
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
All Risk (Liability + Comprehensive)
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
Instantly insured with provisional coverage
Have you applied for car insurance? We’ll forward your application directly to the insurer. You’ll receive an email letting you know whether or not you have temporary coverage. That way, you’ll know right away whether your car is insured or not.
With provisional coverage, you’re insured right away and can hit the road. Your auto insurance has already taken effect, but final approval and the policy are still pending. This means you’re fully insured. If you’re involved in an accident while driving under provisional coverage, your car is still covered.
No provisional coverage means you are not immediately insured
If you don't receive temporary coverage, you won't be insured right away and won't be allowed to use the car yet. In that case, the insurer must first review and approve the application manually.
This doesn't have to take long. On average, it takes 1 hour, and in some cases, it can be done in as little as 10 minutes. In the worst-case scenario, it takes a maximum of 48 hours.
In some cases, a car insurance application may still be denied even after provisional coverage has been granted. If this happens, we will contact you to discuss your options.
Not insured yet? Then don't hit the road!
Of course, it’s frustrating when you don’t get temporary coverage right away. Still, it’s very unwise to take your car out on the road. Driving an uninsured car is a criminal offense. You risk a €500 fine (offense code A915) from the police if they pull you over. If you cause damage while driving an uninsured car, you’ll have to pay all the costs yourself.
Has the car been uninsured and registered in your name for too long? If so, you’ll be registered with Stichting CIS. Many standard insurance companies will no longer accept you if you want to purchase insurance—for example, because of a CIS registration. In that case, car insurance through De Vereende is your only option.
Has your car been uninsured for a long time?
Has the car been uninsured and registered in your name for too long? If so, you’ll be registered with Stichting CIS. Many standard insurance companies will no longer accept you if you want to purchase insurance—for example, because of a CIS registration. In that case, car insurance through De Vereende is your only option.
You'll need this information to insure your car right away
Would you like to insure your car right away? If so, make sure you have all the necessary information on hand. This will speed up the process and ensure you can hit the road quickly with insurance coverage.
- You'll need your personal information, such as your name, address, and date of birth.
- Your car's license plate number, make, model, and year of manufacture.
- Information about your driving history and any previous claims is important because these factors affect your insurance coverage and premium.
Do you already have an active insurance policy? If so, you may need to provide details about your current insurer and the coverage under your current policy. By gathering this information in advance, you can insure your car immediately without any delay and be quickly covered against damage.
Not immediately insured or denied coverage? Insure your car through Vereende
Is your car not immediately insured after taking out a car insurance policy? Or was your application rejected altogether? If so, you can always turn to the insurance companyDe Vereende.
No matter what the reason for the rejection is, in most cases, Vereende will still approve the application. It’s a good idea to try out and compare several car insurance policies first before turning to Vereende.
By comparing insurance policies, you can find the best option for your situation.
Always start by applying for car insurance with a traditional insurance company and wait until you receive an email with information about your provisional coverage. In most cases, you’ll receive provisional coverage, which means you’re insured right away.
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Frequently Asked Questions About Insuring Your Car Right Away
Can I hit the road right away with temporary coverage?
Yes, many insurers provide provisional coverage as soon as you purchase car insurance. This means you’re insured while the insurer reviews your application. Please note: if your application is denied, the coverage will lapse and you’ll need to arrange another insurance policy.
What happens if I don't insure my car right away?
In the Netherlands, you are legally required to have at least third-party liability insurance on your car as soon as it is registered in your name. Run the check if you want to know whether a car is insured.
If you don't do this, you risk a fine from the RDW and possibly a higher risk of liability in the event of damage. In addition, you are not allowed to drive on the road without insurance, which can result in additional costs and problems.
What types of auto insurance can I purchase right away?
You can choose from three main types of auto insurance, also known as basic coverage: Third-Party Liability (WA), Third-Party Liability Plus (WA+), and Comprehensive Coverage (Allrisk). These basic coverage options form the core of your auto insurance policy. Various coverage options are available, depending on your needs and the age of your car. For example, you can choose between Third-Party Liability or Comprehensive Coverage, depending on the coverage you want and the level of protection you need.
Third-party liability insurance only covers damage to others. Limited comprehensive coverage (Third-Party Liability Plus) covers not only damage to others but also damage caused by, for example, theft, broken windows, storms, break-ins, and vandalism. Comprehensive insurance offers the most extensive coverage and also reimburses damage to your own car, even if you caused it yourself. This is particularly beneficial for newer cars, whereas for cars older than 12 years, people often opt for a lower level of coverage.
Supplementary insurance policies and additional coverage, such as passenger insurance or roadside assistance, offer extra protection and peace of mind on top of the basic coverage. Theft, glass damage, and damage to third parties are key components of the various coverage options. In the event of a total loss or theft, the replacement value is sometimes reimbursed, especially if you purchase additional coverage for these situations.
Car damage claims are handled quickly and professionally under the various coverage options, so you can get back on the road in no time. Comparing coverage options and supplemental insurance policies is a smart way to find a competitive premium that fits your situation.
Are there any additional costs when purchasing auto insurance directly?
No, you don't pay any extra fees to insure your car immediately. It's a car insurance policy that takes effect immediately, provided you are accepted with provisional coverage.
Can I make changes to a car insurance policy I purchased on the spot at a later date?
Yes, you can adjust your auto insurance later. For example, you can increase or decrease your coverage, add another type of supplemental coverage, or change your deductible.
You can also add supplemental insurance policies for extra coverage, so you're better protected. Keep in mind that some changes may affect your premium.
Please contact us if you have any questions about this.
What if I change my mind after taking out the insurance?
You have a 14-day legal cooling-off period to cancel the insurance at no cost, unless you have already filed a claim during that period. After this period, you can usually cancel the insurance with one month’s notice. The terms and conditions vary by insurer. Therefore, be sure to carefully review the policy terms and conditions to see what applies to your situation.
Am I immediately covered for damage after purchasing my auto insurance?
Yes, as soon as you purchase car insurance and receive provisional coverage, you are immediately insured. This means that in the event of a claim, you can file a claim under the coverage you have chosen. Final approval of the insurance may still be pending, but as long as the provisional coverage is in effect, you are insured in accordance with the policy terms and conditions.
Please keep in mind that if you file a claim, it may affect your no-claim status and your no-claim discount. “No-claim” means that you have not filed a claim for a certain period of time, which allows you to build up a discount on your premium; this discount is called the no-claim discount.
What happens if I'm in an accident before my application is approved?
If you’re involved in an accident while you have provisional coverage, the damages will generally be covered in accordance with the coverage you’ve chosen. Keep in mind that an accident during the provisional coverage period can affect your no-claims years, which will impact your future premium.
However, if your application is later rejected (for example, due to a poor claims history or fraud), the insurer may still seek reimbursement from you for the damages. Therefore, always make sure your application is complete and accurate, and never drive without insurance.
How do I know the status of my application?
After applying for car insurance, you’ll naturally want to know whether you’re already insured and what coverage you have. Most insurers send a confirmation email immediately after you apply, stating the status of your application. This email will indicate whether you’ve been granted provisional coverage—meaning you’re insured right away—or whether your application is still being processed.
You can also easily check the status of your auto insurance on the insurer's website or by contacting customer service. That way, you'll know exactly where you stand and whether you can hit the road with peace of mind.
Always stay up to date on the status of your application so you can be sure your car is insured and that you are complying with legal requirements.
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