Volkswagen insurance
Volkswagen insurance? Whether you drive a Golf GTI or an Up! used for the city: find out which coverage suits your model and driving habits.
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Also for Golf GTI, GTE and R
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Getting car insurance for your Volkswagen
As the proud owner of a Volkswagen, you naturally want your car to be properly insured. Whether you drive to work daily in a Polo, hit the road with the family in a Tiguan or take advantage of the sporty performance of a Golf GTI. The right insurance protects you and your car in case of damage, theft or breakdown.
Appropriate insurance for every Volkswagen model
Volkswagen is one of the most popular car brands in the Netherlands. That means there is a lot of variety in models and versions: from compact city cars to powerful performance models.
That's why it's important to choose insurance that fits your type of Volkswagen.
Popular models
- Volkswagen Polo
- Volkswagen Golf (including Golf 6, Golf 7, Golf 8)
- Volkswagen Passat
- Volkswagen Tiguan
- Volkswagen T-Cross / T-Roc
- Volkswagen ID.3 / ID.4 / ID. Buzz
- Volkswagen Arteon
- Volkswagen Touran
- Volkswagen Sharan
- Volkswagen Up!
Youngtimers and classics
- Volkswagen Golf 1 / Golf 2 GTI
- Volkswagen Beetle
- Volkswagen Transporter (T1, T2, T3)
- Volkswagen Corrado
- Volkswagen Scirocco
These older models can also be insured. Low-cost vintage insurance is often available for vehicles 15 years or older.
Car insurance coverages.
You can choose from 3 main coverages:
WA (mandatory)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Limited casco
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
All Risk (WA+Casco)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Additional coverages for Volkswagen drivers
In addition to choosing the right coverage for your car insurance, you can also compare and purchase various additional coverages.
Roadside Assistance Netherlands
v.a.
7 ,50
p/month
Help after an accident is standardly insured on your insurance. In addition to the insurance, it is also possible to take out roadside assistance insurance for the Netherlands.
Roadside assistance Europe
v.a.
9 ,66
p/month
Help after an accident is covered by default on your insurance. In addition to the insurance, it is also possible to take out roadside assistance insurance for Europe.
Legal Aid
from
7 ,10
p/month
Insured of legal help in traffic disputes. At home and abroad. With the vehicle insured on the policy.
Occupant accidents
v.a.
1 ,53
p/month
Accidental occupant insurance pays fixed amounts in the event of death or permanent disability of the driver and/or passengers.
Occupant damage
v.a.
5 ,86
p/month
This insurance pays for material damages suffered by the driver and passengers due to an accident.
Insuring a Volkswagen Golf
Do you own a Golf GTI, Golf GTE, Golf R, Golf 6 GTI or Golf 7 GTI/R? Then you drive a car with power, charisma and an above-average new-car value.
These models require a specific Volkswagen Golf car insurance policy that grows with value, use and risk:
- Higher repair costs in case of damage
- Use: often driven more sporty, more likely to be damaged
- Additional coverages such as accessories or tuning are relevant
- Theft and burglary susceptibility is higher than standard models
Insure options in Volkswagen Golf insurance
In addition, many owners of these models have practical questions, such as:
- Are expensive options and tuning covered? Yes, physical modifications often do, if specified in advance; software tuning usually does not.
- How does compensation work in the event of total loss or theft? With a new value policy, you get back the purchase value instead of the daily value.
- What happens to my no-claim discount after damage? Your discount drops
- Can I also insure the car as a young driver? Yes, although there is often a higher premium and stricter entry requirements.
A well-fitting insurance policy not only provides coverage in the event of damage, but also clarity and security in such situations. Give your Volkswagen the protection that matches its value and your driving style.
Sample situation
You drive your Golf GTI on a wet road surface, get into a skid and cause damage to your own car as well as someone else's.
With an all-risk insurance policy and additional coverage for accessories, you will not only be reimbursed for your damages, but also for example for your sport rims or lowered suspension if they are co-insured.
Tuning co-insurance
Have you modified your Volkswagen with a hybrid turbocharger, sport exhaust or custom air intake, for example? Then it's good to know that physical modifications such as a hybrid TTE turbocharger, racing downpipe, custom air intake or replaced sensors can usually be co-insured.
Only software tuning such as Stage 3 engine management or DSG software, is usually excluded from coverage. Damage due to software performance jumps will not be covered in such cases.
Insure accessories
Standard accessories are often insured up to about €1,000. Think alloy wheels, spoilers or a custom grille. Have you done more expensive parts or a full upgrade?
Then you can easily co-insure this additional amount. A set of original or sporty rims often already exceeds the standard amount.
Choose the amount you want to insure your accessories for. You can always adjust this amount later.
Additional security requirements on sporty and luxury Volkswagens
For sporty and luxurious Volkswagens such as the Golf R, Tiguan R or Touareg, insurers may impose additional security requirements. Because of their high value as well as their popularity among car thieves, insurers often ask for additional measures such as a vehicle tracking system or an SCM-approved alarm system for these types of models.
What exactly is required depends on your insurer, type of car, region and list value. Usually these requirements apply from a value of about €75,000, but in sensitive models sometimes earlier.
Calculate your premium and you will immediately see what requirements such as alarm type and/or security are requested by an insurer.
What does Volkswagen insurance cost?
What you pay for Volkswagen car insurance depends on several factors, including your age, hometown, claim-free years, the specific model and the coverage chosen.
Claim-free years: impact on your premium
The more claim-free years you have accumulated, the more advantageous your car insurance premium will be. If you do not claim any damage during an insurance year, you build up one claim-free year. On the other hand, if you make a claim, you lose claim-free years, which affects your premium.
Young driver with Golf GTI in Randstad area
€ 370,-
€ 380,-
€ 390,-
€ 400,-
€ 410,-
€ 420,-
*The premiums are based on a fictional person driving a 2017 Golf 7 GTI. This person is 22 years old, living in Amsterdam with 0 claim-free years. The car insurance policy has All-risk coverage.
Experienced driver with Volkswagen Polo in the eastern part of the country
€ 42,-
€ 44,-
€ 46,-
€ 48,-
€ 50,-
€ 52,-
*The premiums are based on a fictitious person driving a 2019 Volkswagen Polo. This person is 34 years old, living in Enschede with 8 claim-free years. The car insurance has WA+ coverage.
Insuring your Volkswagen through Alpina
- Experience with all cars, including high-end models such as the Golf GTI
- New value insurance and accessory insurance possible
- Quick insight into your premium, with no strings attached
Never underinsured
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Help from our experts
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Frequently asked questions about Volkswagen car insurance
How is the premium for a Volkswagen calculated
The premium depends on factors such as your age, claim-free years, zip code, Volkswagen model and the coverage you choose. A sporty or electric model can affect the premium.
What is the difference between WA, WA+ and All-risk for my Volkswagen?
WA is the basic insurance and mandatory. WA+ also covers damage caused by theft or storm, for example. All-risk offers the most comprehensive coverage, including for damage caused by your own fault.
How does the new-value policy work for a new or young-used Volkswagen?
In the event of a total loss or theft, a new-value policy reimburses you for the new value or purchase value of your car, rather than the current market value. This prevents financial setbacks.
Is an electric Volkswagen ID.3 or ID.4 insured differently than a gasoline or diesel model?
Yes, electric cars have different risks and costs. Roadside assistance for EVs are important to include in insurance.
Frequently asked questions about insuring a Volkswagen Golf
What does it cost to insure a Golf GTI, Golf GTE or Golf R?
These sporty models are often more expensive in premium because of their value, power and susceptibility to theft. The exact premium depends on your profile, coverage and usage.
Can I insure my Golf 6 or Golf 7 GTI as a young driver?
Yes, but factor in a higher premium and stricter underwriting requirements. Not all insurers accept young drivers on sporty cars.
Are tuning, sport rims and other modifications to my Golf covered?
Only if you explicitly specified them when taking out the insurance. Think of chiptuning, spoilers or alloy wheels. Additional accessory insurance is often required.
What happens to my no-claim discount after damage?
After a claim, your no-claim discount usually drops, you go down several steps on the bonus/malus ladder.
Are my sport rims and other accessories also insured?
Yes, accessories such as sport rims are covered by default up to a certain amount. You can easily purchase additional coverage for more expensive parts.
Can a young driver drive my GTI and is that co-insured?
Yes, but not every insurer accepts young or inexperienced drivers on a sporty car. If they can, the premium is often higher.
Is damage during a trackday or event covered?
No, damage during track use or speed races is excluded. These situations are outside the normal coverage of private car insurance.
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