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Your car insurance coverage
What is the best car insurance? We take a look at your car, compare a wide range of car insurance policies, and help you choose the right coverage. The minimum coverage required is third-party liability coverage.
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
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What is car insurance?
In the Netherlands, you are legally required to have at least third-party liability insurance for your car. "WA" stands for "wettelijke aansprakelijkheid" (third-party liability). Do you have a car registered in your name? You are required to insure it.
Third-party liability insurance covers damage caused by liability to the other party. This is necessary because the damage can be considerable, especially if the other party becomes unable to work. Third-party liability insurance is mandatory for all motor vehicles, so that damage caused by these vehicles is always covered.
No-claims discount
No-claims discount is a premium discount that you build up if you drive without causing any damage. For every year without damage, you move up the bonus-malus ladder. You then receive a higher discount on your premium, which means you have cheaper car insurance. Have you caused damage that you report? Then you may drop down the ladder and lose your discount. You can prevent this with no-claims protection.
Have you not yet built up any claim-free years, or do you have negative claim-free years? Then you will not (yet) receive a discount on your car insurance.
Provisional coverage
Provisional coverage is a solution by insurers to get you covered for your requested policy while they are still checking the details of your application.
Provisional coverage usually lasts no longer than a few days, depending on the insurer. Temporary coverage ends when the insurer has fully reviewed and officially approved or denied your application.
How long this process takes depends on factors such as the speed of the review and whether additional information is needed. On average, this is completed within 1 hour and in many cases within 10 minutes. It can take up to 48 hours.
Please note: the effective date of your insurance determines when coverage actually begins.
Are you still planning to drive an uninsured car? Then you risk a hefty fine from the RDW.
Second car insurance
Would you like to insure a second car? Many insurers offer a second car arrangement, whereby you benefit from the same no-claims discount as on your first car. This can make a significant difference to your premium.
Conditions vary depending on the insurer, so check whether both cars are registered to the same household and whether the second car is used privately.
Canceling current car insurance
Are you switching to another car insurer? Don't forget to cancel your current car insurance in good time. In many cases, you can cancel on a monthly basis after the first year, with a notice period of one month.
Always check the policy conditions and ensure that the new insurance takes effect on the day the old one ends, so that you are never driving without insurance.
When canceling your current car insurance, make sure you always take out a new insurance policy first. This will ensure that you are not driving without insurance.
Factors affecting the premium
The cost of your car insurance is based on various factors, such as your age, driving experience, the type of car, and the current value of your vehicle. The number of claim-free years you have accumulated also plays a major role: the more claim-free years you have, the more discount you will often receive on your premium.
Top 5 cheapest third-party liability insurance policies in 2026
| Insurer | Price per month | Own risk |
|---|---|---|
| Allianz Direct | €25,33 | not applicable |
| Rhion | €30,68 | not applicable |
| Avéro Achmea | €31,03 | not applicable |
| Bovemij | €31,13 | not applicable |
| ZERO | €35,12 | not applicable |
Top 5 Most Affordable Liability + Limited Comprehensive Insurance Policies in 2026
| Insurer | Price per month | Own risk |
|---|---|---|
| a.s.r. | €28,82 | €150 |
| Allianz Direct | €30,84 | not applicable |
| Rhion | €33,29 | not applicable |
| Bovemij | €34,05 | €150 |
| Avéro Achmea | €36,47 | €150 |
Top 5 cheapest comprehensive insurance policies in 2026
| Insurer | Price per month | Own risk |
|---|---|---|
| a.s.r. | €40,60 | €150 |
| Allianz Direct | €43,02 | not applicable |
| Bovemij | €46,12 | €150 |
| Avéro Achmea | €51,72 | €150 |
| Nationale-Nederlanden | €53,57 | €150 |
Additional coverages for greater security
In addition to choosing the right coverage for your car insurance, you can also compare and purchase various additional coverages. Which additional coverage you need is entirely up to you.
Occupant accidents
from
1 .44
per month
Accidental occupant insurance pays fixed amounts in the event of death or permanent disability of the driver and/or passengers.
Occupant damage
from
5 .31
per month
This insurance covers property damage sustained by the driver and passengers as a result of an accident.
Legal Aid
from
7 .48
per month
You are covered for legal assistance in the event of traffic disputes, both in the Netherlands and abroad, involving the vehicle insured under the policy.
Roadside Assistance Netherlands
v.a.
7 ,50
p/month
Help after an accident is standardly covered 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.
Choose the best car insurance for your car
What is the best or cheapest car insurance for your situation? That depends entirely on your personal preferences and the car you want to insure.
The premium for the coverage forms the basis for your insurance. You must take out third-party liability insurance and you can also opt for more comprehensive coverage or additional insurance. More comprehensive coverage, such as limited comprehensive or all-risk insurance, offers more protection against various types of damage, but often also entails a higher premium.
Various factors play a role in choosing a type of insurance:
Accrued claim-free years
If you have driven for several years without causing any damage, you can often choose the most comprehensive insurance at a relatively low premium. When purchasing a new car, it is particularly important to ensure you have good coverage, as the value and risks are different from those associated with an older car.
Location of your car
Also consider where your car will be parked. If you park it on a busy street in a city, the risk of damage from theft or vandalism is higher, and then it may be a good idea to go for more comprehensive coverage. This is less important if your car is safely parked in your own garage.
Daily value of your car
The choice of the best coverage should be made deliberately. After all, the premium must be proportional to the daily value of the car. For example, for a 12-year-old car, it often does not make sense to choose the most comprehensive car insurance.
The current value of your car is a major factor in determining how much the insurance will pay out in the event of serious damage. You can also extend the basic coverage with additional insurance, such as roadside assistance or passenger insurance, for extra protection.
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Better insured when you buy car insurance through Alpina
It’s easy to find affordable car insurance online. Compare the different premiums and coverage options to see which one best suits your personal situation. It doesn’t have to take long. You can compare affordable car insurance options in just five minutes.
Where can I find cheap car insurance?
With Alpina's comparison tool, you can compare different insurers within minutes, and find the cheapest car insurance for your car.
Keep in mind that the cheapest car insurance isn’t always the best option for you. If you own an expensive car, you’ll likely want to insure it more comprehensively. In that case, you should opt for more extensive coverage. If you have a 10-year-old car, you might not be as concerned about minor damage. In that case, you can choose to get only liability insurance.
Think carefully about what you want the insurance to cover, and read the policy terms carefully. That way you can find the insurance that suits you best for the best price.
How can I compare affordable car insurance policies?
To get the best value for your money, we recommend comparing different insurance providers. There are a huge number of insurance providers on the market, so you have dozens to choose from.
Compare different coverages to see which one best suits your needs. Also consider the age and daily value of the car, and how many claim-free years you have accumulated. If one insurer is too expensive, choose another, cheaper insurer. This way you will find the most suitable car insurance at a good price.
Also, make a new comparison once in a while. Premiums and policy conditions of a car insurance company can change every year. Therefore, car insurance with the same coverage may suddenly be cheaper next year with another insurer. Of course, your personal situation can also change. Moreover, your car gets older every year. Maybe after a few years the coverage of your car insurance no longer fits your car. We therefore advise you to check annually if your car insurance still suits you.
What do you need to calculate insurance?
We have made calculating your car insurance premium easy. To calculate via Alpina.nl you only need some simple data, such as the license plate of your car and the number of claim-free years you have accumulated. With this we can already give you an indication of the premium, so you can start comparing right away.
Are you going to finalize the insurance? Then we also need the car's report code.
Getting or switching cheap car insurance
Taking out car insurance is easy to do online. By means of the license plate, all data of the car can be retrieved. In addition, you only need the accumulated claim-free years of your current car insurance and the calculation and comparison can begin. Is your car still insured with an expensive insurer? With our cancellation service we can cancel the existing car insurance. Choosing another car insurance can save you hundreds of euros in premiums per year.
Temporary car insurance
Do you need temporary car insurance? Even then we have possibilities. Think, for example, of insurance to drive to the RDW inspection or WA coverage during the export of a vehicle.
Get instant car insurance
You can purchase car insurance from us immediately after calculating your premium. By completing the underwriting and final questions, you are applying for insurance. Depending on the information you provide, you may receive provisional coverage right away. If you do not receive provisional coverage immediately, the insurance company will review your application. In most cases, you will receive a response within 1 hour on business days.
What factors go into comparing car insurance?
Factors that play an important role in determining the premium:
- What coverage did you choose?
- How many claim-free years have you accumulated?
- How many miles are you going to drive?
- What is your age?
- What is your zip code?
Frequently asked questions about car insurance
When am I required to insure my car?
You are legally required to insure a car as soon as the license plate is registered in your name. From that moment on, your details as the owner are on file with the Dutch Vehicle Authority (RDW). A car that has already been transferred to your name but is still, for example, at the seller’s location must be insured in your name from the moment of registration. You are not required to have limited comprehensive or all-risk coverage; only third-party liability coverage is mandatory. Read more here about when car insurance is mandatory.
Which form of insurance is best to choose?
Several factors come into play when choosing a form of insurance.
For example, you can consider the age and daily value of the car, but also the accumulated claim-free years. If you have several years of damage-free driving, you can often choose the most comprehensive insurance at a fairly low premium. You are then entitled to no-claims discount.
Also consider where you will park your car. If you park it on a busy street in a city, the risk of damage due to theft or vandalism is higher. In that case, it may be a good idea to opt for more comprehensive coverage. This is less important if your car is safely parked in your own garage.
The choice of the best coverage should be made deliberately. After all, the premium must be proportional to the daily value of the car. For example, for a 12-year-old car, it often does not make sense to choose the most comprehensive car insurance.
This is because the daily value of your car weighs heavily in how much the insurance company pays out in the event of severe damage.
When is All Risk insurance a good idea?
The daily value of a car may be the determining factor in choosing All Risk car insurance. Usually you see All Risk coverage when a car still has more than €10,000.00 in daily value. Sometimes one looks at the year of construction. In that case, you often see that cars are All Risk insured up to 8 years after the year of construction.
What types of coverages are there in auto insurance?
In addition to the legally required liability coverage, you can also opt for limited comprehensive coverage or the most comprehensive coverage available with all-risk auto insurance (liability and comprehensive).
With limited casco car insurance, in addition to the standard coverage for damage to the other party, you also get paid for fire damage, windshield breakage and damage from collision with stray animals.
All-risk car insurance is a further extension of coverage. This car insurance also covers damage to your own car, even if the damage was caused by your own fault.
Which car insurance is best for you depends on several factors. For more information on the forms of insurance, please refer to the further explanation of the Third Party, Limited Comprehensive and All-Risk car insurance.
Can you get car insurance without a driver's license?
Not all insurers can insure your vehicle if you yourself do not have a driver’s license (even temporarily). However, as the registered owner, you are legally required to have car insurance for your vehicle. TheRDW (Dutch Vehicle Authority) conducts checks on this and may issue fines if you do not comply. We offer options to insure a car even if you do not have a driver’s license.
What are the additional car insurance policies?
In addition to standard coverage, you can also choose supplemental insurance.
Frequently chosen insurances are accident occupant insurance and casualty occupant insurance. These policies pay out an amount in the event of damage to the occupants or the occupants' belongings as a result of an accident.
You can also co-insure legal aid and roadside assistance.
What is a registration code?
You will need your vehicle' s registration code when you transfer the vehicle to another owner's name, when you apply for a license plate suspension, when you have the license plate cancelled at the registration desk, or when you scrap the vehicle.
How do claim-free years work?
Claim-free years are the years during which you have not filed a claim with your insurer. For each claim-free year, you move up one tier on the no-claims discount scale. The higher you climb on the no-claims discount scale, the greater the discount you will receive on your premium. The discount can reach up to 80% after 15 claim-free years.
You can find out how many claim-free years you’ve accumulated on your policy statement. Not sure? Check with your insurer or insurance agent. This will prevent your premium from changing later if the number of claim-free years was incorrect.
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