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To calculate the premiums, we need the postal code of the primary driver. For personal use, the youngest driver must live at the same address as the applicant. For business use, please enter the company’s postal code here.

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Everything You Need to Know About Calculating Car Insurance Premiums

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Everything You Need to Know About Calculating Car Insurance Premiums

Calculating a car insurance premium may sound complicated, but it really isn't. We'll walk you through the steps.

What do you need to compare car insurance policies?

We’ve made it easy to calculate your car insurance premium. To get a quote onAlpina.nl, all you need is your car’s license plate number and the number of claim-free years you’ve accumulated. Of course, you’ll need to provide more information for an accurate calculation, but you already know the rest of the answers by heart.

Step 1. Enter your basic information

Right on the first page of ourcomparison tool, you’ll be asked for your license plate number and the number of claim-free years. By also entering your ZIP code, house number, and date of birth, you can compare the various insurers.

Step 2. Choose the coverage you want

When calculating the premium, select the coverage you want. Still undecided between two coverage options? You can still choose a different coverage option later in the comparison. The three types of insurance are:

Step 3. Additional questions about how you use the car

Insurers assess the risk. The number of kilometers you drive per year plays a role in this. More kilometers mean a greater risk for the insurer. The risk also increases if the car is used for business purposes. In addition, not all insurers are willing to insure business vehicles. If the car to be insured is a second family car, there are opportunities to negotiate an additional discount.

Step 4. Questions Focused on Accident-Free Driving

The following questions are intended to clarify the available discount options. For example, if you have driven a leased car for the past three years, you may be eligible for an additional discount by providing a lease statement showing that you have not caused any damage. We can transfer theclaim-free yearsyou’ve accumulatedfromyour previous insurer.

Step 5. See how much you can save

The calculation is complete. The results show which insurer comes out on top in the comparison. You can now request a quote from one or more insurers. You can also select the “Continue” option and choose any supplemental insurance coverage. Click the green exclamation mark to learn more about thesupplemental coverage options.

Are there any fees associated with purchasing auto insurance?

Yes, with most insurance policies, you’ll pay a one-time policy fee of €13.36. After that, you’ll be billed the quoted premium on a monthly or annual basis. In the event of a claim, you may be required to pay a deductible. You can consider this a cost associated with the claim.

Save Even More on Your Premium

Don’t blindly choose the most comprehensive coverage. Comprehensive auto insurance offers the most extensive coverage, but it’s likely too expensive for older cars with only a lowcurrent market value. This is because the premium is based on the car’s new value, but in the event of a claim, the payout is based on the current market value.

Benefits of Car Insurance at Alpina.nl

Immediate coverage available, 24/7

You can calculate and purchase car insurance 24 hours a day, 7 days a week. In most cases, you’ll receive immediate coverage, so you can get back on the road quickly.

Complete the transaction within 5 minutes

When you purchase car insurance online, you want coverage right away. That’s why we make sure you know exactly where you stand from the start. You can insure your car in just 5 minutes. You choose your own coverage and deductible, so you never pay too much. Your application is reviewed immediately and takes effect whenever you want.

Not satisfied? Get your money back! 14-day return period

When you purchase auto insurance from us, you have a 14-day cooling-off period. This means you can cancel the auto insurance within 14 days at no cost and without giving a reason.

How do we work?

We are an independent broker. This means we have no financial or production obligations to any insurance company. And that’s a major advantage for you. After all, we’re always looking for the product with the lowest premium and the best terms.

Supervision

Alpina complies with all legal requirements set forth by the AFM. We hold the necessary licenses and certifications and are members of the Financial Services Complaints Institute (Kifid).

Report a Claim

Have you suffered damage? If so, you can report it online using the form below. Do you need emergency towing service? You’ll find the phone number for the emergency service affiliated with your insurance company on your Green Card.

If you have coverage for windshield damage, you can contact a windshield repair shop listed on your Green Card. In most cases, the repair shop will handle the claim with your insurance company.

Click here to report a claim online.