What is the best car insurance for a holiday?
Are you going on holiday by car and do you want to know if your current car insurance has the right coverage? Your car insurance offers the same coverage inside and outside the Netherlands. However, the coverage depends on what exactly your car insurance covers when you are abroad. Therefore, it is important to read the policy conditions carefully when you take out a car insurance to avoid surprises.
Car insurance on holiday
The three standard forms of car insurance are:
A WA insurance only compensates for damage you cause to others. Damage to your own car is therefore not covered.
A WA limited hull insurance does not only cover damage to others. Also car damages caused by a collision with stray animals, hail and storm, lightning, fire and explosion, window breakage, theft and attempted theft are covered by 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 covered by your own insurance company. In addition, vandalism damage is also insured with the all-risk cover.
Another option is to hire a car while on holiday. Different conditions apply to the car insurance of a hire car than to the car insurance of your own car. What exactly is the insurance of a hire car? Almost every rental car has a standard third party insurance. In most countries, this coverage is mandatory. The insurances that are offered by the rental company, for example for liability, are usually in addition to the standard third party insurance. When insuring your rental car, make sure that it has third-party insurance. Ask clearly about the local rules and regulations and determine on that basis whether additional insurance is necessary.
Holiday car insurance
Are you going on holiday abroad with your own car? Then it is convenient and in some cases mandatory to take your green card with you. A green card is an international insurance certificate with which you can show 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, which makes it easy to read for the police, for example, when you are abroad.
For many countries it is not necessary to have the green card with you. But there are some countries where it is compulsory 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 is the green card obligatory, you can read here.
In addition, the green card also states in which countries you are covered with your car insurance. Is your holiday country not listed? In most cases it is possible to obtain a certificate of insurance at the border.
Supplementary coverages
In order to be extra well-insured when travelling abroad, some insurers offer a special abroad module. You can think of breakdown assistance, replacement transport or compensation for the costs of an extra night's accommodation.
Do you have any questions about car insurance? Then feel free to contact us, we are happy to help! We can be reached by telephone from Monday to Friday between 08:00 and 18:00 on the following number: 088-6883700.
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