What is third-party insurance?
WA stands for third-party liability. With WA insurance, you are insured against damage for which you can be held liable. In other words, damage that you cause to others with your car or other vehicle. When there is an accident with a car, the costs can mount up considerably. To protect the victims of an accident, it is therefore compulsory to have at least third-party insurance. This third-party insurance does not cover the damage to your own car and is therefore the cheapest car insurance you can buy. The third party insurance is obligatory for everyone who has a (motor) vehicle in his name. Also when you own a scooter or a motorbike, third party insurance is compulsory.
Which cover suits you?
Which cover suits you?
Third-party liability (mandatory)
- Free recovery servicei Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
- Damage to othersi This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
- Theft, joyriding and lossi Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
- Windscreen damagei Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
- Damage by fire or natural disasteri In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
- Own damage caused by a collisioni Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
Limited airframe
- Free recovery servicei Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
- Damage to othersi This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
- Theft, joyriding and lossi Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
- Windscreen damagei Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
- Damage by fire or natural disasteri In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
- Own damage caused by a collisioni Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
All Risk (WA+Casco)
- Free recovery servicei Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
- Damage to othersi This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
- Theft, joyriding and lossi Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
- Windscreen damagei Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
- Damage by fire or natural disasteri In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
- Own damage caused by a collisioni Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
What does third-party insurance cover?
With a third-party insurance only the damage you cause to others is covered. Damage caused by others driving in your car is also covered. Damage to your own car is not covered with WA coverage. The Dutch Motor Insurance Liability Act obliges car owners to insure the car for damage caused by liability. In case of damage to others, the insured amounts are:
- Minimum of €6,070,000 per accident for damage to persons.
- €1,220,000 per accident for material damage (since 2017)
Who is subject to the insurance obligation?
As soon as you put a car in your name, you are obliged to take out third-party insurance. This also applies if your car is not going to be used on public roads. Are you not going to use the car but, for example, to renovate it? In that case, you can suspend the registration number. The insurance obligation will then be temporarily cancelled. You can be fined for not insuring your car. This is easy to check. Owners of cars that are registered but not insured by one of the insurers are therefore in violation. Even if someone else drives your car, you are obliged to take out insurance.
Injured parties can claim directly against the insurer
In case of damage, the injured party can directly sue the car's insurer. This is usually done by means of a liability claim. Injured parties have a so-called direct right of action.
Which claims are insured?
As you can tell from the name of car insurance, it only provides coverage for damage to others. Damage to your own car can not be claimed with the car insurance. Insurers are allowed to extend the third-party insurance by, for example, increasing the insured amounts in case of personal injury. A more limited coverage is not allowed. Damages caused by others driving your car are also insured. Even if your car is stolen and an accident is caused with it, the insurer will pay liability damages.
When to choose third-party insurance?
Due to the limited coverage, this car insurance is only recommended for older cars. For a car with a daily value of € 1,000 it does not make sense to choose a very extensive insurance. However, you can consider WA limited hull insurance. The premium is only slightly higher and you will receive compensation for broken windows and hail damage, for example.
Other coverages
What supplementary insurances are there?
Some additional insurances are very useful. We will explain all supplementary insurances to you. That way, you can make an informed choice.
Which cover suits me?
If you also want to insure damage to your own car, you better choose a WA limited-casualty or even All-Risk car insurance. The coverage that suits you depends on a number of factors. Because of the limited coverage, WA car insurance is only recommended for older cars. Do you have a brand new car? Then All-Risk car insurance is better for you. So the age of your car is a determining factor, but certainly not the only one. Also consider:
- What is the current value of your car?
- Have you accumulated many claim-free years? In that case, a broader coverage is often advisable.
- How dependent are you on your car?
- Monthly premium. What is the cost of my car insurance?
Compare third-party car insurance
Do you want to buy third-party car insurance? Then it is wise to compare well. The differences between various insurers can be large. Especially for young drivers, it often pays to compare well. The premium for third-party insurance for 18 and 19 year olds has never been higher. At alpina.nl you can very easily calculate a premium. Enter your details and find out which third-party insurance is best for you.
Is third-party insurance mandatory?
You are legally obliged to insure a car as soon as the license plate is put in your name. From that moment, your details as the owner are known to the RDW. A car that has already been transferred to your name, but is still with the seller, for example, must be insured in your name from the moment of transfer. Read more
What does third-party car insurance cost?
The premium for a third party car insurance depends on several factors. For example the weight of the car and the age of the driver. Click here to calculate a premium for third party motor insurance.
Does third-party insurance have an excess?
Normally, no excess is charged for third-party insurance. It is possible that insurance companies, in special cases, may impose an excess on the third-party insurance. You will be informed of this before the insurance is approved.
If, for example, you have an excess of €100, you will have to pay the first €100 yourself if you make a claim. Everything above that amount will be reimbursed by the insurance.
Top 6 Cheapest Third Party Liability Insurance 2023
When you buy car insurance, you are probably looking for insurance that is as cheap as possible. Besides the fact that the car insurance has to be cheap, it is also important that the car insurance fits your needs. Therefore, we always advise you to use a comparison tool. This way you can find out which car insurance is best for you.
| Insurer | Cover | Monthly premium | |
|---|---|---|---|
| ASR | WA | € 16,09 | Calculate premium |
| Nationale Nederlanden | WA | € 17,79 | Calculate premium |
| Autoprism | WA | € 18,41 | Calculate premium |
| Allianz | WA | € 24,59 | Calculate premium |
| AutoExcellentPolis | WA | € 24,99 | Calculate premium |
| Avero | WA | € 26,54 | Calculate premium |
Related pages on car coverage
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