Insure your car directly
If you bought a new car, you can buy your car insurance directly online. This is handy if you want to get on the road right away. It is compulsory to have at least third-party car insurance as soon as the car is registered in your name. At Alpina, your car is insured and accepted immediately.
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Car insurance directly
Insurance your car directly is easily done online in 4 steps:
- Enter the license plate number, some personal information and your claim-free years
- Choose coverage and select additional coverages if necessary
- Compare providers and choose the car insurance that suits you best
- Purchase your chosen car insurance directly online!
Choose your desired coverage directly
What car insurance costs depends in part on what coverage you choose.
WA (mandatory)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Limited casco
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
All Risk (WA+Casco)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Directly insured with provisional coverage
Have you applied for car insurance? We send the application directly to the insurer. You will receive an email stating whether or not you have provisional coverage. Then you know whether your car is immediately insured or not.
With provisional coverage, you are insured immediately and may hit the road. The car insurance has already taken effect, but the final acceptance and policy still follow. You are fully insured. Do you sustain damage during this period with provisional coverage? Then your car is insured as usual.
No provisional coverage is not directly insured
Don't get provisional coverage? Then you are not immediately insured and may not use the car yet. In that case, the insurer must first manually review and approve the application.
This does not have to take a long time. On average, it takes 1 hour and in some cases it is settled in as little as 10 minutes. In the longest case, it takes up to 48 hours.
It is possible that after getting preliminary coverage, the application for auto insurance may still be rejected. We will then contact you to discuss your options.
Not insured right away? Then don't go on the road!
Of course, it's annoying if you don't get provisional coverage right away. Nevertheless, it is very unwise to go on the road with your car. Driving around in an uninsured car is a criminal offense. You risk a fine of €490 (offense code A915) from the Police if they stop you. Do you cause damage with an uninsured car? Then you pay all the costs yourself.
And is the car uninsured in your name for too long? Then you will be registered with the CIS Foundation. Many normal insurance companies no longer accept you when you want to take out an insurance, for instance as a result of a CIS registration. Car insurance through the Vereende is then the only option.
Is your car uninsured for a long time?
And is the car uninsured in your name for too long? Then you will be registered with the CIS Foundation. Many normal insurance companies no longer accept you when you want to take out an insurance, for instance as a result of a CIS registration. Car insurance through the Vereende is then the only option.
You need these details to insure your car directly
Want to insure your car right away? Then make sure you have all the necessary details at hand. This will speed up the process and ensure that you are quickly insured on the road.
- You will need your personal information, such as your name, address and date of birth.
- Your car's registration number, make, type and year of manufacture.
- Information about your driving experience and any previous claims is important, as these factors affect your insurance coverage and premium.
Do you already have current insurance? If so, you may need to provide details about your current insurer and your current insurance coverage. By gathering this information in advance, you can get your car insured right away without delay and be covered for claims quickly.
Not directly insured or rejected? Insure your car via the Vereende
Is your car not immediately insured after taking out car insurance? Or is your application rejected altogether? Then you can always turn to insurance company de Vereende.
No matter the reason for the rejection, in most cases the Vereende will still accept the application. It is wise to try and compare several car insurance policies before you end up with the Vereende.
By comparing insurance policies, you can find the best option that fits your situation.
Always go through the application for car insurance with a regular company first and wait until you get an email with information about provisional coverage. In most cases, you will receive provisional coverage and thus be insured immediately.
Frequently asked questions about insuring your car directly
Can I go on the road right away with provisional coverage?
Yes, with many insurers, you will get provisional coverage as soon as you take out car insurance. This means you are insured while the insurer evaluates your application. Please note that if your application is rejected, coverage will expire and you will need to arrange another insurance policy.
What happens if I don't insure my car right away?
In the Netherlands, you are required by law to have at least third-party insurance on your car as soon as it is registered in your name. Do the check if you want to know if a car is insured.
If you don't, you risk a fine from the RDW and possibly a higher risk in case of damage. In addition, without insurance you are not allowed on the road, which can cause additional costs and problems.
What types of auto insurance policies can I buy directly?
You can choose directly from 3 main types of car insurance, also called the basic coverages: WA (Third Party Liability), WA+ (Limited Comprehensive Vehicle) and All-Risk (Fully Comprehensive Vehicle). These basic coverages form the core of your car insurance. There are different coverages available, depending on your needs and the age of your car. So you can choose between WA or All Risk, depending on the desired coverage and level of protection.
Third-party insurance only provides coverage for damage to others. The limited casco coverage (WA+) covers not only damage to others, but also damage due to, for example, theft, windshield damage, storm, burglary and vandalism. All-risk insurance is the most comprehensive coverage and also compensates for car damage to your own car, even if you cause it yourself. This is especially interesting for younger cars, while lower coverage is often chosen for cars older than 12 years.
Additional policies and supplemental coverages, such as occupant insurance or roadside assistance, provide additional protection and extra security on top of the basic coverage. Theft, windshield damage and damage to others are important components of the various coverages. In case of total loss or theft, sometimes the purchase value is reimbursed, especially if you take out additional cover for this.
Auto damage is handled quickly and professionally within the various coverages, so you're back on the road quickly. Comparing coverages and additional policies is a smart choice to find a competitive premium that fits your situation.
Are there any additional fees when purchasing auto insurance directly?
No, you don't pay an additional cost to insure your car immediately. It is a car insurance policy that starts immediately provided you are accepted with provisional coverage.
Can I change an instant car insurance policy later?
Yes, you can change your car insurance later. For example, by increasing or decreasing coverage, adding another supplemental insurance policy or changing your deductible.
You can also add additional insurance policies for extra coverage so you are 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 regret after taking out the insurance?
You have a statutory cooling-off period of 14 days to cancel the insurance without charge, unless you have already claimed damages within that period. After this period, you can usually cancel the insurance with one month's notice. The conditions vary from one insurer to another. Therefore, check the policy conditions carefully to see what applies to your situation.
Am I immediately insured for damages after taking out my car insurance?
Yes, once you take out car insurance and get provisional coverage, you are immediately insured. This means that in the event of a claim, you can claim the coverage you have chosen. Final insurance approval may still follow, but as long as the provisional coverage is in place, you are insured according to the policy terms.
Keep in mind that if you claim damage, it may affect your no claim and no claim discount. No claim means that you have not claimed any damage 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 drive damage before my application is approved?
In principle, if you drive damage while you have provisional coverage, it will be reimbursed according to your chosen coverage. Keep in mind that damage during provisional coverage can affect your claim-free years, which will affect your future premium.
However, if your application is later rejected (for example, due to a negative claims history or fraud), the insurer can still recover the loss from you. Therefore, always check that your application is complete and correct and do not go on the road without insurance.
How do I know the status of my application?
After applying for your car insurance, of course you want to know if you are already insured and what coverage you have. Most insurers will send a confirmation email immediately after your application with the status of your application. This will state whether you have received provisional coverage, so that you are insured immediately, or whether your application is still being processed.
You can also easily check the status of your car insurance through the insurer's website or by contacting customer service. That way you know exactly where you stand and whether you can already hit the road with peace of mind.
Always stay well-informed about the status of your application, so you can be sure your car is insured and you meet the legal obligations.
Questions about insuring your car directly?
Do you still have questions? If so, please be sure to contact us. Our insurance specialists will be happy to help you.
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