Can you or do you have to insure a suspended vehicle?

As mentioned above, the requirement to insure your car no longer applies. However, it is still possible—and advisable—to purchase car insurance. For example, you can do so to cover damage to or theft of your car.

Car Suspended: Insurance Options

There are two options when insuring your de-registered car: “limited comprehensive auto insurance” and “full comprehensive auto insurance.” The main difference between these options is that with comprehensive coverage, the car is also protected against damage you cause yourself. This applies even if the damage was your own fault. With limited coverage, this is not the case, and only damage to another party is covered.

The likelihood of causing damage to someone else with a car that is not permitted on the road is very low. The risks associated with de-registered cars therefore include theft, storm/weather damage, fire, and vandalism. It is therefore worth considering a limited comprehensive insurance policy if you plan to de-register your car.

Insuring a Suspended Vehicle: Lifting the Suspension

There are two ways to lift the suspension of a vehicle. Either because the suspension period expires automatically, or because you lift the suspension yourself through the RDW. You can easily lift the suspension yourself by logging in online to the RDW with your DigiD. Please note that whether the suspension expires or you end it yourself, you must take out car insurance again. This does not happen automatically. You will, however, retain the same number of claim-free years that you accumulated before the suspension. Make sure you are insured again immediately after the suspension period ends, as the RDW can impose a fine after just two days.

Do you have any questions about suspending your car registration or car insurance? Feel free to contact us anytime. You can also purchase car insurance right away: