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Car insurance Netherlands

  • We compare prices from 20 car insurance provider products.
  • Compare now and save an average of €265 per year!
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Car insurance Netherlands


Are you looking for a car insurance in the Netherlands? At Autoverzekering.nl you can compare over 20 Dutch car insurance companies. Comparing car insurance at Autoverzekering.nl is fast and easy. Whether you want to beat your current provider’s renewal quote or insure a new vehicle, our quick, easy price comparison tool helps you find a cheaper car insurance deal.

Car insurance Netherlands

Requirements for taking out car insurance in The Netherlands:

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    You must have a European Union (EU) driving license.

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    Your car has a Dutch license number.

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    You have to live in the Netherlands.

Car insurance Netherlands

Dutch car insurance

In The Netherlands it is mandatory for all cars to have at least a third party liability car insurance. This insurance is called WA (Wettelijke Aansprakelijkheid) in Dutch. Damages inflicted with your own car to other people and their property are covered with this car insurance. You can also choose more comprehensive coverages, which are called WA Plus or All Risk coverage. You can read more about the differences below.

Car insurance Netherlands

Different kinds of car insurance NL

Autoverzekering.nl compares different types of car insurance. Depending on your situation and your car you can choose one of these coverages:

Compare car insurance Netherlands

Three coverages to choose from:

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    WA coverage (third-party liability)

    In The Netherlands it is mandatory to have a car insurance with at least WA-coverage. Third party liability only covers the damage that you inflict with your car to other people and their property. It will provide coverage if you have an at-fault accident (you caused the accident to take place).

    Is your car 8 years old or older? Are you not dependent on your car? And is your car not worth much anymore? In that case WA-coverage is probably your best option.

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    WA beperkt casco coverage (third-party liability + limited coverage)

    The WA beperkt casco insurance covers the damage you could cause to another car, and damage caused by circumstances beyond your control. Some examples are: car theft, car fire, broken windshield, hitting an animal with your car and damage caused by a storm.

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    All risk coverage (third-party liability + comprehensive coverage)

    All risk insurance covers damage to other cars and almost all damage to your own car. This insurance is recommended when you have a new car or when you cannot take the financial risk of having to replace your car.

Advice from our expert

“The choice of coverage depends on the type of vehicle you have. For a new car (up to 6 years old), we highly recommend opting for comprehensive coverage (All Risk). However, for a car that is over 10 years old, we suggest considering third-party liability coverage (WA) only.”

Jerry,

Expert car insurances

autoverzekeringen expert Jerry

Car insurance in the Netherlands

It is possible to add some additional insurances to your coverage. We listed the most important ones for you.

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Additional coverages

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    No-claim protection

    No-claim protection is called ‘no-claimbescherming’ in dutch.
    The first damage in the current policy year does not count when determining your no-claim discount. You insure yourself against premium increases that occur when you have a loss/damage.

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    Damage insurance for occupants

    The damage insurance for occupants is called a ‘schadeverzekering voor inzittenden’ in dutch. This insurance covers personal injury and damage to your luggage or clothes that is caused by a car accident. Other occupants are also covered by the insurance. The car insurance company will still cover the damages if you are the one that caused the accident.

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    Personal accident insurance

    The personal accident insurance is called a ‘ongevallen-inzittendenverzekering’ in Dutch. Personal accident insurance is a policy that can reimburse your medical costs and provide compensation in case of disability or death caused by accidents.

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    Legal expenses insurance

    In Dutch it is called ‘rechtsbijstandverzekering’. Legal expenses insurance protects the insured against unexpected legal fees. While some policies provide limited coverage, other policies allow for unlimited reimbursement.

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    Deductible

    Deductible is called ‘eigen risico’ in dutch. After causing a car accident you will be responsible for your deductible, meaning that you must pay for damages until you reach the deductible amount, and anything above your deductible will be covered by your policy.

Car insurance Netherlands

Compare car insurance Autoverzekering.nl

Autoverzekering.nl collaborates with 28 different qualified car insurance companies and compares them for you. Our job is to make it as easy as possible for you to compare car insurance companies so you can choose the best one. Click on autoverzekering vergelijken and start comparing car insurances.

Car insurance Netherlands
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Met een gemiddelde van 9,2 op basis van 1.752 reviews.

cem kizak

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1 dag geleden

The process was easy so far.

kirsten

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2 dagen geleden

Snel en makkelijk af te sluiten. Overzichtelijke site en duidelijke info over de verzekering

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Extreme snelheid en aandacht bij het uitvoeren van procedures. Bedankt

cem kizak

Star on Star on Star on Star on Star on
1 dag geleden

The process was easy so far.

kirsten

Star on Star on Star on Star on Star on
2 dagen geleden

Snel en makkelijk af te sluiten. Overzichtelijke site en duidelijke info over de verzekering

a.l. sawaf

Star on Star on Star on Star on Star on
2 dagen geleden

Extreme snelheid en aandacht bij het uitvoeren van procedures. Bedankt

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    Frequently asked questions

      Which insurers can you compare at Autoverzekering.nl?

      On Autoverzekering.nl you can compare over 20 car insurers on price and policy scores. On our car insurers page, you will find an extensive overview of all insurers that we compare.

      How do we compare car insurance?

      At Autoverzekering.nl you can enter your details in our comparator and you will see an overview of various car insurance policies with the corresponding premiums and conditions. The results of the comparison are based on the data that you enter: license plate, zip code, age, number of claim-free years, annual mileage and the coverage that you choose.

      Is Autoverzekering.nl an independent comparison website?

      Yes, Autoverzekering.nl is 100% independent. We will show you the fairest, cheapest and best car insurance for your situation.

      How does the process of switching car insurance work?

      The first step is to enter your details in our comparator. Then you can choose the coverage of your car insurance. Not sure which coverage is best for you? No problem, in our comparator we give you free advice. After you have chosen your coverage, you can start comparing different car insurance policies.

      Have you made a decision? Then it’s time to apply for your car insurance. Depending on the insurer that you have chosen, you can apply for car insurance directly via Autoverzekering.nl or via the website of the insurer itself. During the application process you will have to fill in some additional information. For example, whether you want to take out additional insurance, what the details of the main driver are and some final questions. You can then confirm the request and we will send you a confirmation email. Has your application been accepted? Then you can safely hit the road.

      Can I get same-day insurance?

      Yes, it is possible to get same-day insurance if you take out care insurance via Autoverzekering.nl. Whether you are insured immediately depends on your situation and the insurer with which you take out the car insurance. After you have taken out car insurance via our comparator, you will receive a confirmation email. In the e-mail it  states whether your application has been accepted, is still being processed or has been rejected. If your application has been accepted you have insurance and you can hit the road. When your application is still being processed, you can only drive on the road if your new insurer offers provisional cover. The confirmation email will state whether this is the case. If your application is rejected, you are not insured and you will have to choose another insurer. You can make a comparison again and take out car insurance with another insurer. Do you have any remaining questions? Then please contact our customer service. They are happy to help you.

      Is there a cooling-off period?

      Yes, if you take out car insurance via Autoverzekering.nl you are entitled to a cooling-off period of 14 days in which you may cancel your application for any reason and without justification.

      When can I switch car insurers?

      The contract and the cancellation period of your current car insurance determine whether you can switch car insurance. There are several situations in which you can switch to another insurer and cancel your current car insurance:

      • One year after taking out your current car insurance policy. In this case, a notice period of one month often applies. Suppose your current car insurance policy runs from 1 January to 31 December and your insurer applies a notice period of one month. If you want your new insurance to take effect from 1 January, you will have to cancel your current insurance no later than 1 December.
      • If you have a car insurance policy that can be cancelled daily or monthly. In this case, you can switch immediately, for example when another insurer has a better deal.
      • If the insurer changes the policy conditions or increases the premium. In that case, you can cancel your insurance immediately and you can switch car insurance.

      Please note: don’t cancel your current car insurance until you have been accepted by your new car insurer.

    The latest news (in Dutch)

    Attribution and Expertise

    Written by: Jerry
    Last updated: 10-01-2024

    About auto insurance expert Jerry

    With years of experience in the field of car insurances, Jerry knows exactly how the insurance market works. He ensures that the options in our comparison tool are as comprehensive as possible, so you can be sure you’re getting the best deal. As a frequently asked expert in the media, he also provides helpful advice to drivers regarding their car insurance.

    Sources

    The following sources were consulted for the information on this page:

    • Government of the Netherlands
    • Association of Insurers
    • RDW (Driver and Vehicle Licensing Agency)
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