When should I take out car insurance?
You have a car in mind that you would like to have. Of course you want to get the right kind of insurance for this car. What do you have to consider and when do you have to take out car insurance?
When should 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 therefore obliged to have at least third-party insurance. There are a number of factors that are important when taking out car insurance. In general, it is better to choose a different cover for a new car than for a used car.
Car insurance cover
The cost of car insurance depends largely on the cover you choose. The three standard types of car insurance are:
When buying a car, you should immediately purchase at least third-party insurance. Damages caused to others are compensated with this coverage. For cars of 10 years or older, only the compulsory third-party insurance is often chosen. With this insurance, damages to your own car are not compensated.
Car insurance? Calculate your premium!
A good alternative with a broader coverage is the WA limited casco insurance. Not only the damage to others is compensated with this coverage. Also damages caused by a collision with stray animals, hail and storm, lightning, fire and explosion, window breakage, theft and attempted theft are covered by the WA limited hull insurance. This coverage is often chosen when a car is between 6 and 10 years old.
Factors that determine the premium when taking out car insurance
When you take out a car insurance policy, a number of factors play an important role in determining the premium. These are: the chosen coverage, the number of claim-free years, age and postal code.
When to insure a car
When buying a car, it is important that you insure it in time. In the Netherlands, insurance is compulsory. As soon as the registration number of the car is registered in your name, you are the holder of the registration number and you are therefore obliged to take out a car insurance. It is wise to take out a car insurance as soon as you have the license plate in your name. This way, everything is arranged immediately and you can drive your car safely on the road. If you postpone it too long, you risk a hefty fine. You are not allowed to drive in an uninsured car.
Insure your car directly
It is therefore important that you insure the car from the moment you are the owner of the car and the registration number is in your name. Many people wrongly think that it is allowed to insure the car when they return home. Driving an uninsured car is punishable by law and can result in a hefty fine. If you drive home from the garage and suffer damage during this drive, there will be no compensation if the car was not insured.
Before you drive the car, it must be insured. It is also important that the car has had a compulsory MOT and that it is still valid.
Related pages about getting car insurance
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