Disabled vehicle insurance
Instant online closing
Insurance plate by mail
Help from our experts
Clear, transparent & honest advice for more than 110 years
customer stories
We pick out the fine print for you
"Comparing disability insurance almost always pays off. Premiums may have increased or your personal situation may have changed. That's why we recommend comparing your disability car insurance every year ."
Laura - Expert Insurance
Expert insurance for years
All about disability car insurance
Anyone with a disabled vehicle in their name is required to also purchase disabled vehicle insurance. The cost of this insurance is not too high in most cases. You can choose between two forms of insurance, the coverage of which varies greatly.
Few insurers offer disability car insurance. To save you a long search, we have already figured out the best place to go and have ended up with the insurer Klaverblad. This insurer offers a competitive premium and is quick to issue insurance papers.
Which disability car insurance policy is best to choose?
You have a choice between two different coverages:
- Civil Liability (WA). This provides coverage only for damage to others for which you are responsible. For example, when you hit a pedestrian.
- WA + casco. In addition to civil liability coverage, benefits now follow in the event of damage to your disabled vehicle. If your vehicle is beyond repair, you will be paid the current market value.
When to choose WA disability car insurance?
This insurance is the most logical choice for a disabled vehicle of low value. The description "low value" is a relative term here. A disabled vehicle with a short remaining lifespan is no longer covered by third-party insurance. In that case the premium is too high compared to the value of the vehicle.
When to choose WA cash disability car insurance?
For example, WA cash disability car insurance pays out for theft, fire damage and in the event of an accident. This coverage is the most logical choice for a new disabled car. However, this insurance can still be the best choice for older disabled cars as well. When comparing insurance policies, you can actually always assume this coverage. If it turns out that the premium is too high compared to the daily value, you can still opt for the WA disability car insurance. Do realize that the coverage in this form of insurance is much more limited.
When am I insured?
Unlike most other insurance policies, you take out insurance until May 1 of each year. The insurance for your vehicle always runs from May 1 to May 1 the following year. If you do not take out insurance on May 1, the premium is calculated on a pro rata basis. That means this is a premium from the effective date of the insurance until May 1.
When you take out insurance online, you do not yet have immediate coverage. You are not yet allowed to drive the vehicle. After acceptance by the insurance company, you will receive the insurance sticker by mail. Once you have received it and stuck it on the vehicle, you can drive it on public roads.
Some factors that affect the amount of your premium
- Form of coverage
- Residence
- Age
- Claim-free years
Frequently asked questions about disability car insurance
What is a third-party liability (WA)?
This is the basic coverage and cheapest disability car insurance. It covers the damage you cause with your disabled vehicle to third parties, but not the damage to your own disabled vehicle.
You save money by opting for third-party coverage, but in the event of damage, this choice can backfire. The insurer will only pay for damage caused to others. Suppose you cause a collision with a car. The damage to your car amounts to €2,500. The damage to the other party is paid by your insurer. For the damage to your own vehicle, you do not receive payment. You have to pay for the €2,500 damage yourself. If the other party is liable for the damage, you can recover your damages from the other party.
What is full-casualty (all-risk)?
This is the most comprehensive disability car insurance coverage available. In addition to the third-party coverage, damage to your own disabled vehicle is now covered in cases of fire, theft, storm, collision and broken windows, among others.
How long is the term of disability car insurance?
Disabled vehicle insurance always runs until May 1 of the following year. Suppose you take out insurance on June 1, then the policy runs from June 1 to May 1 of the following year. After that, the company will extend the policy by one year each time.
Is there a deductible with disability car insurance?
Yes, there may be a deductible with disability car insurance. The deductible is a portion of the cost you must pay yourself if you make a claim. The deductible is usually a fixed amount that you have to pay yourself, regardless of the damage you have sustained, and applies to WA-Casco coverage. The deductible varies by insurer and it is important to read the terms and conditions of your insurance policy carefully before purchasing insurance.
Can I drive immediately after applying for disability car insurance?
By law, you are required to have at least third-party insurance for your disabled vehicle.
Through our website you can make a calculation for the insurance and purchase it immediately. However, you are not allowed to drive the disabled vehicle immediately after applying for the insurance. First you have to attach an insurance plate or insurance sticker to your vehicle. You will receive these from the insurer once your application has been accepted and the policy has been drawn up. They will be sent to you by mail.
Are other people allowed to ride on my disabled vehicle?
When applying for insurance, you specify the driver. If someone else was driving in the event of a claim, this may affect the claim payment. The insurer assesses this on a case-by-case basis.
When you sell the disabled car to someone, that person may not drive with your insurance plate. The person who buys the disabled car must apply for new insurance himself.
Why do I pay per year for disability car insurance?
Disabled vehicle insurance runs from May to May. So you always take out the insurance for that entire period. You pay the premium per year.
If the insurance does not start until October, it will continue until May of the following year.
If you terminate the insurance within the year, you will, of course, be refunded the overpaid premium.
Will I get the prepaid premium back if I cancel the insurance within the year?
Should the insurance be terminated within the year, you will receive a refund of the excess premium paid.
How can I stop the insurance of my disabled vehicle?
When insuring a disabled vehicle, you get an insurance plate or sticker. Only with this will you be allowed on the road. If you sell the disabled vehicle, the insurance plate or sticker must be returned to the insurer. You can send it directly to them or through us. Once the insurer has received the insurance plate, the insurance can be stopped.
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here today until 6 p.m.