What car insurance coverage can be chosen from?
Choosing the right auto insurance is more than just comparing premiums. It is important to think carefully about your insurance coverage. Are you satisfied with only a third-party insurance or does a third-party (all-risk) insurance better suit your situation? There is also an intermediate form: the WA limited casco.
In the event of a claim, it makes a big difference which coverage you chose. A wrong choice can cost you tens of thousands of dollars. On the other hand, you also want to avoid overinsuring your car. So it is important to know which coverage best suits your car.
What types of coverage are there?
There are three standard insurance policies to choose from:
Third-party insurance
Third-party auto insurance is the minimum insurance you are legally required to carry. This insurance only covers damage you cause to others. Damage to your own car is not covered. This insurance is often chosen for cars 10 years old or older, but even then more extensive coverage can sometimes be wise.
WA limited casco
The WA limited casco offers broader coverage than the WA car insurance. Besides damage caused to others, there is also coverage for a number of damages described in the policy conditions. The insured causes of damage are:
- Collision with stray animals
- Hail and storm damage
- Lightning damage
- Fire and explosion
- Window Break
The WA limited casco is often chosen for cars 6 to 10 years old. Damages you claim on this part of the insurance will not affect your claim-free years. This is also the case with the WA limited casco car insurance.
All risk insurance (WA full body)
This is the most comprehensive insurance and is often chosen for new cars up to about 6 years old. The most important extension in terms of coverage is that own collision damage is also compensated by the own insurer. Vandalism damage is also insured in the WA-casco car insurance.
Coverages comparator
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
Expand car insurance with additional coverages
In addition to the three forms of insurance, you can take out additional policies. These can be insurance policies to defend your rights.
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.
11 ,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.
2 ,25
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 ,66
p/month
This insurance pays for material damages suffered by the driver and passengers due to an accident.
Who is insured
Car insurance is always linked to the car and not the person. This means that anyone driving your car is basically insured, as long as the driver is licensed to drive. There are exceptions, however, such as driving without a license or renting.
May I lend my car?
Yes, you may lend your car. Just keep in mind that the borrower may not be the regular driver of the car. Please note that the borrower may not be the regular driver. Young people sometimes try to insure the car in their parents' name to save premiums, but this is fraud and can have major consequences.
Are passengers also co-insured?
Passengers are not automatically co-insured in car insurance. However, they can hold the driver liable for their damages or file a claim with the other party's insurer. You can, however, additionally insure passengers with passenger indemnity insurance or passenger accident insurance.
Am I responsible if someone drives my car without a license?
It seems unnecessary to emphasize this, but it is explicit in the policy terms. You are responsible for the conduct of the driver of your car. If the unauthorized driver of your car causes a claim, you as the owner of the car are responsible for the damage.
Am I responsible if someone with a driving record drives my car?
Yes. Even someone with a driving disqualification is not allowed to drive. You remain responsible if you do give permission. However, if your car is stolen and the thief causes damage, this is different. You must always report the theft to the police.
Car insurance does not provide coverage for rentals
Through different organizations you can rent out your car. For example, you can use Mywheels and SnappCar. Keep in mind, however, that the insurance company does not provide coverage for rentals. In case of damage, the amount can be recovered from you.
You can often obtain additional insurance through these platforms, but there are still risks associated with renting out. For example, you can end up on a blacklist, which means you won't be accepted by insurers after a claim.
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