Can I get car insurance without an address?
When taking out car insurance, in addition to providing some information about the car, you’ll also need to enter your personal information. This includes, for example, your date of birth, ZIP code, and house number. Don’t have a permanent address in the Netherlands (yet)? Then it will be difficult to take out car insurance. You cannot take out car insurance without an address. We’d be happy to tell you more about this.
Your address affects your premium
One of the reasons you can’t get car insurance without an address is that your address affects the premium. Insurers primarily look at statistics when determining premiums. For example, there are more car accidents in the Randstad than in rural areas. If you live in the Randstad, you’ll likely pay a higher car insurance premium than someone who lives outside that area. In some cases, premiums may even be determined on a street-by-street basis. Without an address, an insurer usually cannot accept an application for car insurance.
No address because you are staying abroad for an extended period of time
Are you planning to go abroad for an extended period? If so, you must always notify your insurer. If you’re going abroad temporarily, suspending your car insurance may be an option. In that case, you won’t need car insurance. If you’re moving abroad permanently, you cannot purchase Dutch car insurance. To purchase car insurance, you must be registered as a resident in the Netherlands. As a result, your car insurance will be terminated as soon as you deregister from the Netherlands.
Take Out Car Insurance at a Different Address
It is not possible to purchase auto insurance under a different address. This is not permitted. When purchasing auto insurance, you must provide all information truthfully. Furthermore, your place of residence and ZIP code affect the premium amount. Without the correct information, an insurer cannot accurately calculate your premium. If you provide a false address when taking out the policy, you may also be subject to criminal penalties.
The only type of insurance you can purchase without an address is health insurance. In that case, you must have a mailing address that is registered in the Basic Registry of Persons (BRP). The municipality can help you with this. Unfortunately, this is not possible for auto insurance, because you do not live at the mailing address.
Do you have questions about car insurance without an address? Contact us!
Unfortunately, it’s not possible to purchase car insurance without an address. We’d be happy to help you figure out how to insure your car. Please don’t hesitate to contact us. We’re available by phone Monday through Friday from 8:00 a.m. to 6:00 p.m. at 030 – 688 37 00. You can also always send us a message via chat, WhatsApp, or Messenger.
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