What is the list price of my car?
The list price is the price you pay for the new car, including VAT, BPM, and accessories.
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Third-Party Liability (Mandatory)
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
Limited casco
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
All Risk (Liability + Comprehensive)
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
Everything You Need to Know About a Car's List Price
When you’re about to purchase auto insuranceorcommercial auto insurance, you’ll always be asked for the car’slist priceif you’re getting third-party liability plus orcomprehensivecoverage. What is the list price, and why is it important?
The list price is the price you pay for the new car, including VAT,BPM, and accessories. When the first part of the license plate is issued, your car has that catalog value at that time. An insurer uses the catalog value, among other factors, to determine the premium amount. The tax-deductible amount you pay for a company car or a leased vehicle is also calculated by the tax authorities based on the catalog value. The additional tax liability depends on the car but will range between 4 and 25 percent of the catalog value. The more fuel-efficient the car, the lower the additional tax liability.
How do you determine a car's list price?
The list price is a predeterminedprice for a new car. This is the price you pay when you buy a new car. The list price depends, among other things, on the make and model of the car. If you can’t remember exactly how much you paid for the car, you can find out its list price online or by contacting the car dealer.
Where can I find the list price of my car?
On www.alpina.nl, when calculating a car insurance premium, the list price as recorded by the RDW is used. When a vehicle is sold, the dealer will report all relevant data to the RDW, including your car’s list price. If a vehicle is imported, the list price will be determined during the vehicle inspection.
Insuring Your Car at Replacement Value
If you’re involved in a serious accident and your new car can’t be repaired, you’d prefer to be reimbursed for the replacement value rather than the current market value. To you, the car still feels new, yet its current market value will be significantly lower than you might expect. Many auto insurers offer a replacement value policy for new cars. This policy allows you to buy a new car if your car is declared a total loss. This policy does not apply to used cars. When buying a used car, you can opt for the purchase price policy. Under this policy, you will not receive the replacement value, but rather the purchase price of the car should it be totaled within the policy’s maximum validity period.
Compare Car Insurance Using the List Price
At www.alpina.nl, you can easily compare different auto insurance providers. In general, an insurer determines the insurance premium in part based on the list price. This is because an insurer incurs higher costs when a high-end car is damaged compared to a less expensive one. However, a higher list price doesn’t always mean you’ll have to pay a higher premium. The monthly premium can vary significantly from one insurer to another. That’s why you should compare all car insurance policies online and choose the one that best suits you and your car. Do you have a question? Check out our frequently asked questions. There, you’ll find the most common questions for each product.
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