Car Insurance Premium Not Paid

Suspension: Consequences and Fine

During the suspension, your insurance has been canceled: you are not insured, you may not drive the car on public roads, and any damage will not be covered. In the Netherlands, it is mandatory to have at least third-party liability insurance.

The RDW actively checks whether all cars are insured. If it turns out that a vehicle is uninsured, the registered owner will immediately receive a fine of €500 (€460 for mopeds and motorized scooters). Because the RDW can impose this fine up to three times a year, the total amount can reach €1,500. If the vehicle remains uninsured after that, the RDW may refer the case to the Public Prosecutor’s Office. The owner may then face criminal prosecution.

Restoration After Payment

If you pay the premium and any collection fees within the timeframe set by your insurer, coverage is usually reinstated within 24 hours of receipt of payment. You are still required to pay the premium even while your coverage is suspended. If you fail to do so, the insurer may terminate your auto insurance retroactively.

Please note: Insurers often process payments at set times each day. As a result, it may appear as though your payment was processed later than it actually was. However, coverage is always reinstated as soon as your payment is received.

There's no way to avoid the fine

Some drivers think they can avoid a fine from the RDW by showing proof from their insurer. However, if coverage has been suspended, the insurer will not provide this proof. Therefore, the fine must still be paid, even if the premium is paid later.