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Third-party direct insurance

You are probably familiar with the basic WA car insurance. If another driver causes a collision which results in damage to your car, you can recover this from the other party's insurer. However, this may change next year. The Union of Insurers has announced that they expect to start with WA-direct next year. WA-direct ensures that insurers can directly handle the damage for their policyholders. But how does WA-direct insurance work?

How does WA-direct work?

Suppose an accident has taken place between you and another car. The other driver did not give you the right of way although he should have done so. As a result, you have a big dent in your car. You report the damage to your own insurer. Your insurer then compensates the damage and recovers it from the other party's insurer. This is called WA-direct, because the damage is settled directly.

Initially, WA-direct will only apply to situations involving two passenger cars. If the test proves successful after a year, it will be extended to other vehicles such as mopeds and motorbikes. Incidentally, you are not obliged to use WA-direct if your insurer offers it. You can also simply recover the damage from the third-party insurance of the other party. Ultimately, that insurer also remains responsible for the compensation after the direct insurer has recovered the damages.

The aim of WA-direct is to simplify the handling of claims by claiming directly from the insurer. It does not matter who is liable. The WA-direct insurance is primarily aimed at material damage.

Getting redress

The big difference with a normal Third Party Liability insurance is that you do not have to recover damages from the other party's insurer. After your insurer has assessed the damage and paid you compensation, recovery only takes place from the liable insurer. Currently, they already do this with hull insurance. Many insurers experience that this works more efficiently, especially because there are fewer discussions between insurers.


Benefits of WA-direct

There are a number of important advantages to WA-direct. Normally, in the event of damage, you are dependent on the other party's insurer. The biggest advantage is that you can always contact your own insurer. This means that you will receive your money faster and be able to have your car repaired sooner. The Union of Insurers says: "You know this insurer and you can reach them quickly and easily". WA-direct ensures a smoother claims settlement.

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Get cheap car insurance through Alpina!

Do you want to insure your car cheaply? Whether you take out third-party insurance, WA + limited casco or all-risk insurance, you've come to the right place at Alpina. And as soon as your insurer offers WA-direct, you can take advantage of this.

With our online tool, you can easily compare different insurers to find the best car insurance. All you have to do is fill in some personal information, the license plate number, your claim-free years and the coverage you want. Then our comparer will do the rest! You will get an overview, in which you can compare the different insurers. This way you can easily find the right insurance for your car.

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  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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