Car Insurance Customer Service

The best coverage for your car depends on its age, value, and condition.

• Third-Party Liability Insurance
  This is the minimum coverage required by law. It only covers damage you cause to others. It is usually suitable for older cars (10 years or older) with a low current market value.
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  Limited Comprehensive Coverage Provides additional coverage for damage caused by, for example, fire, storms, broken windows, lightning, or collisions with animals. This coverage is often suitable for cars that are 6 to 10 years old.
• Comprehensive Coverage (All Risk)
  The most comprehensive insurance: in addition to the types of damage listed above, you’re also covered for damage to your own vehicle caused by a collision or vandalism. This option is typically chosen for newer cars up to about 6 years old or those with a high current market value.

If you’ve gone several years without filing a claim, you’ll benefit from a discount on your premium. This makes it an attractive option to choose more comprehensive coverage, such as limited comprehensive or all-risk coverage, without your premium immediately increasing significantly.

It is possible to purchase auto insurance without a driver’s license, although not every insurer will accept this. Nevertheless, as the registered owner of the vehicle, you are required by law to insure the car, even if you do not have a driver’s license (temporarily). Insurers with a more lenient underwriting policy, such as de Vereende, often do offer options for taking out car insurance without a driver’s license. Additional conditions may apply, such as a higher premium, an upfront payment, or a security deposit. Driving the car yourself without a driver’s license is not permitted: any damage that occurs as a result will not be covered.

You are legally required to purchase at least third-party liability insurance as soon as the car’s license plate is registered in your name. From that moment on, you are registered as the owner with the National Road Traffic Authority (RDW).

Even if the car is still at the dealer’s but has already been registered in your name, it must be insured immediately. Only with liability insurance do you meet the legal requirement. More comprehensive coverage, such as limited comprehensive or all-risk insurance, is not required but can offer additional peace of mind.

A registration code is a unique 9-digit code you need to register a vehicle in your name with the RDW. Do you want to register a car, motorcycle, or other vehicle in your name? Then you’ll need this code. You’ll also use the code when you sell, scrap, suspend, trade in, or export a vehicle.

For every year you don’t file a claim, you earn one additional claim-free year. You then move up one step on the no-claims discount scale, which gives you a larger discount on your premium. After 15 claim-free years, that discount can reach up to 80%. If you file a claim, you’ll usually move down 5 steps. As a result, your premium may increase significantly, or you may even have to pay a surcharge if you have negative claim-free years.

If you want to report a change to an existing insurance policy, the best way to do so is through our website. Click here to report one of the changes listed below:

• Changing a Vehicle on an Existing Insurance Policy
• Sale of a Vehicle
• Changes to contact information, such as address or phone number
• Changing Your IBAN
• Request a Green Card
• Other changes

Do you have Voogd insurance and want to change the regular driver of a motor vehicle? Use the Voogd Regular Driver Change Form (PDF).

If you have a question about an outstanding premium or would like to set up a payment plan, we unfortunately cannot handle that for you directly. It’s bestto contactthe relevant insurerdirectly. They can work with you to find a suitable solution or payment plan.