What is the best car insurance for a vacation?
Are you going on vacation by car and wondering if your current car insurance has the right coverage? Both inside and outside the Netherlands, your car insurance offers the same coverage. However, it depends on the coverage exactly what your car insurance will cover abroad. So it is important to always read the policy conditions carefully when buying a car insurance so you will not be surprised.
Car insurance on vacation
The three standard forms of insurance in auto insurance are:
Third-party insurance only covers damage you cause to others. Therefore, damage to your own car is not compensated with this coverage.
WA limited casco insurance not only covers damages to others. Car damage caused by a collision with stray animals, hail and storm, lightning, fire and explosion, window breakage, theft and attempted theft are also covered under the WA limited hull insurance.
All-risk insurance is the most comprehensive insurance. With this coverage, damage to your own car due to collisions is also compensated by your own insurer. In addition, vandalism damage is also insured with the all-risk coverage.
Another options is to rent a car while on vacation. Car insurance for a rental car has different terms and conditions than car insurance for your own car. What exactly about insuring a rental car? Virtually every rental car has third-party insurance as standard. In fact, in most countries this coverage is mandatory. The insurances offered by the rental company, such as liability, are usually in addition to the standard third-party insurance. When insuring your rental car, make sure that the car is indeed third-party insured. Also ask clearly about the local rules and determine whether additional insurance is necessary.
Vacation car insurance
Are you going on vacation abroad with your own car? Then it is convenient and in some cases mandatory to bring your green card. A green card is an international proof of insurance that shows that your car is insured. You will receive a new green card every year. The advantage of a green card is that it has the same layout throughout Europe, making it easy to read for the police abroad, for example.
For many countries it is not necessary to have the green card with you. But there are still some countries where it is mandatory to have your original green card with you. The original green card is really green and made of paper. A copy is not allowed. In which countries the green card is compulsory you can read here.
In addition, the green card also lists the countries in which you have coverage with your car insurance. Is your vacation country not listed? In most cases, there are opportunities to purchase a certificate of insurance at the border.
Additional coverages
To be extra well-insured when going abroad, some insurers offer a special abroad module. This could include breakdown assistance, replacement transportation or reimbursement of the cost of an extra night's stay.
Do you have any questions regarding car insurance? Then please feel free to contact us, we are happy to help! We can be reached by phone from Monday to Friday between 08:00 and 18:00 at telephone number: 088-6883700.
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