Temporary car insurance based on chassis number: is that possible?
In most cases, car insurance is taken out based on the registration number of your car. Moreover, the standard car insurance has a term of one year, after which it can be extended or terminated. However, it may happen that you do not have a licence plate yet, but you already have to drive a car. This is for example the case when you import a car from abroad. You have to have it tested by the RDW before you can get a Dutch vehicle registration. Without a licence plate you are not allowed to drive on the public roads, not even to the inspection location. In that case, you can take out temporary car insurance based on the chassis number.
At the moment we do not have any possibilities to insure a car by chassis number
Why temporary car insurance by chassis number?
If you import a car from abroad, have it inspected by the RDW before getting a Dutch license plate. Even if you drive the car to an RDW inspection station, it must be insured. So you must first take out temporary car insurance. The temporary car insurance is valid for 1 or 15 days. When you have to go to the RDW inspection, you can take out the 1-day insurance. If you are going to export the vehicle, you can choose the 15-day coverage. In these 15 days you can drive your car carefree throughout Europe. After 15 days the coverage automatically expires.
How does chassis number insurance work?
A chassis number is a unique code that identifies your vehicle. The number is engraved on the chassis/frame of the car, hence the name, although we also speak of frame number or vehicle identification number (VIN). This number makes it possible to distinguish between the many cars on the road worldwide. The chassis number is therefore not linked to your car insurance, but to your car. The chassis number is also linked to your registration certificate. Because the number is unique, some insurers allow you to get temporary car insurance based on the chassis number of your car. This is useful, for example, if you are importing the car. In case of an accident or damage, the insurer can see from the chassis number that it is indeed the insured car.
Where can I insure a car based on its chassis number?
You cannot obtain temporary car insurance on the chassis number from every insurer. We also do not currently have options for this through Alpina. Do you already have a car insurance? Then you can ask your current car insurer if it is possible to insure the new car with them with the chassis number. If not, there are a number of other insurers you can turn to. Your insurer may be able to help you find the right option,
Do you have any questions about taking out a (temporary) car insurance? Please contact us! Our insurance specialists will gladly help you with all your questions. They are available Monday through Friday from 08.00 to 18.00 on 088 - 688 3700. You can also ask your question via chat, WhatsApp or Messenger.
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