a.s.r. Ik kies zelf car insurance
Ik kies zelf by a.s.r. is a fully online car insurance label, owned by a.s.r., one of the largest insurers in the Netherlands. You build your own cover, excess and extras, and manage any changes yourself on a.s.r.’s online platform.
Compare car insuranceAbout a.s.r. Ik kies zelf car insurance
Ik kies zelf, literally “I choose myself,” sums up the whole idea behind this label: no advisor, no guidance, just your own decisions from start to finish. It’s a fully online car insurance from a.s.r., a well-known insurance company in the Netherlands. The label replaced the Ditzo brand in 2023.
Setting up your policy means picking your cover, excess and extras yourself. Once it’s running, changes can be made in your personal account or the app, no intermediary or phone call needed.
Like all Dutch car insurers, a.s.r. is supervised by the Dutch Authority for the Financial Markets (AFM) and De Nederlandsche Bank (DNB). The AFM oversees how insurers treat customers and comply with conduct rules, while DNB monitors their financial soundness.
Pros and cons of Ik kies zelf by a.s.r. car insurance
Is a.s.r. car insurance available in English?
Not really. Ik kies zelf by a.s.r. is built for the Dutch market, and that shows in every part of the experience: from the sign-up process to the policy paperwork. There are no English pages to switch to anywhere on the website, and the app is in Dutch too. If getting help in English matters to you, ABN AMRO or OpGroen might be worth looking at instead.
Can I manage my policy without speaking Dutch?
This can be challenging. Everything from signing up to filing a claim happens in Dutch, through the website, the app or your personal account. Translation tools can get you through the basics, but they add an extra step and some uncertainty about accuracy. Without someone to help with translations, Ik kies zelf by a.s.r. might not be the easiest option for you.
For drivers who prefer to manage everything themselves
“Ik kies zelf suits people who want full control over their cover and don’t need an advisor’s input. Everything runs online, from setting up your policy to filing a claim. Just keep in mind that the whole experience runs in Dutch, so it helps to be comfortable with the language, or have someone available who is.”
Jean-Paul Würsten,
Car insurance expert
Premiums a.s.r. Ik kies zelf 2026
The table below shows what an average driver profile pays for Ik kies zelf by a.s.r. car insurance in August 2026. Use our comparison tool to see your own premium.
| Premium* | Type of cover |
|---|---|
| € 39,41 | Third-party liability (WA) |
| € 43,15 | Third-party liability + limited cover (WA beperkt casco) |
| € 55,51 | Third-party liability + comprehensive cover (WA volledig casco / all risk) |
*These monthly premiums are based on car insurance for a Kia Rio (2014) for a 54-year-old driver from Amersfoort. The driver covers 10,000 kilometres per year and has five claim-free years. Last updated: 2 September 2026.
Calculate your Ik kies zelf by a.s.r. premium
Your premium is based on your personal circumstances. Insurers look at factors such as your age, postcode, car, estimated annual mileage and claim-free years. The cover you choose also affects the price. For example, WA + full comprehensive cover usually costs more than WA, because it covers more risks.
Enter your licence plate and details in our comparison tool, and you’ll see exactly what Ik kies zelf by a.s.r. would charge you, alongside how it stacks up against other insurers.
Basic cover with a.s.r. Ik kies zelf car insurance
a.s.r. Ik kies zelf lets you choose the level of protection that suits your car and situation. The table below shows what each option covers.
| What is covered? | Third-party liability | Third-party liability + limited cover | Third-party liability + comprehensive cover |
|---|---|---|---|
| Damage to other people or their property | ✓ | ✓ | ✓ |
| Theft or burglary | ✕ | ✓ | ✓ |
| Windscreen damage | ✕ | ✓ | ✓ |
| Storm or fire damage | ✕ | ✓ | ✓ |
| Damage caused by yourself | ✕ | ✕ | ✓ |
| Vandalism | ✕ | ✕ | ✓ |
Additional coverage options
Ik kies zelf by a.s.r. lets you extend your cover with four optional add-ons:
- Breakdown assistance (Pechhulp): roadside help if your car breaks down, even close to home. Repairs happen on the spot when possible. If not, your car goes to a garage and you get a replacement vehicle.
- Passenger insurance (SVI): financial protection for you and your passengers after an accident, covering injuries, damaged belongings and pain and suffering, up to € 1,000,000 per incident.
- Motor legal protection (Rechtsbijstand motorrijtuigen): legal support for car-related disputes, provided by DAS, a leading Dutch legal expenses insurer. Covers recovering damages from another party, conflicts over buying, selling or repairing your car, and criminal cases connected to driving.
- Accessory cover (Accessoiredekking): covers aftermarket additions not included in your car’s list price, up to € 3,500. Audio, navigation and video equipment is capped at € 500. Only available alongside third-party liability + comprehensive cover.
Claim-free years and the no-claims bonus ladder at a.s.r. Ik kies zelf
Every year without a claim, you build up one claim-free year. The more claim-free years you have, the higher your no-claims discount. a.s.r. checks and applies these automatically through Roy-data, the national database Dutch insurers use to track claim history. You don’t need to arrange anything yourself.
No-claims bonus ladder at a.s.r. Ik kies zelf
Insurers use a no-claims bonus ladder to turn your claim-free years into an actual discount. At Ik kies zelf by a.s.r., that ladder runs 31 steps. Each claim-free year moves you up one step, up to a maximum discount of 75%. A claim you can’t recover from another party drops you back several steps instead.
Some types of damage don’t affect your discount, such as glass damage, theft, storm damage, or damage you recover from someone else. In those cases, you don’t lose steps.
Package discount at a.s.r. Ik kies zelf
Ik kies zelf by a.s.r. doesn’t offer a traditional second car scheme where you carry over part of your no-claims discount. However, insuring multiple vehicles under your name is rewarded in a different way. You get a flat 10% discount on the premium of every insured vehicle. This doesn’t apply to add-ons. It comes on top of any no-claims discount you already have.
Conditions package discount a.s.r. Ik kies zelf
The table below shows the specific conditions for package discount at Ik kies zelf by a.s.r.
| Terms | a.s.r. Ik kies zelf |
|---|---|
| Type of second car scheme | Partial |
| What discount do you receive? | Package discount |
| Maximum discount | Up to 10% |
| Same discount as your first car | No |
| Second driver can build up claim-free years | Yes |
| All cars must be registered to one name | Yes |
| Cars must be registered at the same address | Yes |
| Policyholder or partner is a regular driver | Yes |
| Children living at home are eligible for the scheme | No |
*Additional notes: the discount applies only to third-party liability and third-party liability + comprehensive cover premiums, not to add-ons. A policyholder with negative claim-free years doesn’t qualify. Claim-free years from a second car built up with a different insurer can be carried over.
What Autoverzekering.nl does for you vs. what a.s.r. Ik kies zelf does
Compare a.s.r. Ik kies zelf car insurance
Compare Ik kies zelf by a.s.r. against other insurers by entering your details in our comparison tool. You’ll see the premium, cover and terms laid out side by side, giving you a clear basis to decide.
Klanten over Autoverzekering.nl
Filing a claim with a.s.r. Ik kies zelf
Submit your claim through the online form on a.s.r.’s website. Always include as much detail as you can provide. You’ll hear back within 10 working days on how things move forward.
In an emergency, such as an accident that leaves you unable to drive, contact the 24-hour assistance line on 030 699 07 08.
Cancelling your a.s.r. Ik kies zelf car insurance
Log into your a.s.r. account, open the policy you want to cancel, and click “Naar opzeggen” at the bottom of the page. You’ll be asked for a reason before the cancellation goes through.
Cancellation is only possible once your first policy year has passed. Once submitted, your policy runs until the next monthly cancellation date rather than ending straight away.
a.s.r. Ik kies zelf contact details
Phone:
030 699 79 30
Emergency number:
030 699 07 08
Website:
www.ikkieszelf.nl
App:
Ik kies zelf van a.s.r. (available on the App Store and Google Play)
AFM licence number:
12002040
