Audi car insurance
Audi car insurance is designed specifically for Audi owners and is offered by Audi Financial Services in partnership with Allianz. You can take out a policy online or through an Audi dealer.
Compare car insuranceAbout Audi car insurance
Audi car insurance is offered by Audi Financial Services in partnership with Allianz. Allianz provides the insurance cover and is one of the world’s largest insurance companies, operating in more than 70 countries.
Audi offers three levels of cover: third-party liability (WA), third-party liability + limited cover (WA beperkt casco) and third-party liability + comprehensive cover (WA volledig casco / all risk). You can also add optional extras, such as a new value guarantee or breakdown assistance, to tailor the policy to your needs.
Like all Dutch insurers, Audi car insurance is regulated by the Dutch Authority for the Financial Markets (AFM).
Pros and cons of Audi car insurance
Here’s an overview of the main advantages and disadvantages of Audi car insurance:
Full no-claims discount on your second Audi
“Audi’s second car scheme is more generous than many others on the Dutch market. Instead of offering only part of your existing no-claims discount, Audi applies the full discount to your second car, up to the maximum of 80%. This is an advantage if you own more than one Audi.”
Jean-Paul Würsten,
Car insurance expert
Is Audi car insurance available in English?
Not officially. Audi Financial Services offers its website, application process and customer service in Dutch only. If you need help by phone, you may be able to speak to an English-speaking employee, but this isn’t guaranteed.
Do I need to be a Dutch resident or have a Dutch address to take out this policy?
Yes. You’ll need a Dutch address to take out Audi car insurance. Your postcode is used to calculate your premium, and the policy must be linked to a Dutch-registered car. You don’t necessarily need to be a Dutch citizen, but you must have a valid Dutch address.
Premiums table 2026
Here’s what an average driver profile pays for Audi car insurance, based on an Audi A4 Avant:
| Premium* | Type of cover |
|---|---|
| € 56,99 | Third-party liability (WA) |
| € 64,64 | Third-party liability + limited cover (WA beperkt casco) |
| € 86,96 | Third-party liability + comprehensive cover (WA volledig casco / all risk) |
*These monthly premiums are based on car insurance for an Audi A4 Avant (2018, security class 2) for a 54-year-old driver from Amersfoort. The driver covers 10,000 kilometres per year and has five claim-free years. Latest update: 1-10-2026.
Calculate your Audi premium
Audi models often have a higher value than the average car, making the right level of cover even more important. Your premium depends on factors such as your car’s model and age, your postcode, your claim-free years, your age and your estimated annual mileage.
Enter your licence plate and a few personal details in our comparison tool to compare Audi with other insurers. If Audi insurance is available for your situation, you’ll see its premium alongside other quotes straight away.
Basic cover with Audi car insurance
| 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
You can extend your Audi car insurance with a range of optional extras.
- Accessory cover (Accessoiredekking)
Your Audi’s accessories are covered up to € 3,500 as standard. If you’ve added extra accessories, you can increase the cover to € 5,000. - New value guarantee or purchase value guarantee (Aanschafwaarderegeling of nieuwwaarderegeling)
New Audis come with one year of new value guarantee. If you’re the first owner, you can extend this cover to five years. Used Audis come with three years of purchase value guarantee, which can’t be extended. - Passenger insurance (Schadeverzekering inzittenden (SVI))
Passenger insurance covers the driver and passengers for injuries and damage to personal belongings after an accident, regardless of who was at fault. Cover is provided up to € 1,000,000 per claim. - Motor legal protection (Rechtsbijstand Motorrijtuigen)
This add-on covers legal disputes related to your car, such as disagreeing with a garage, recovering uninsured losses after an accident or defending yourself against traffic-related claims. - Breakdown assistance (Pechhulp)
You can choose breakdown assistance in the Netherlands or across Europe. If your Audi can’t be repaired at the roadside, it will be towed to a garage and you’ll receive a replacement car.
Claim-free years at Audi car insurance
In the Netherlands, every year you drive without making a claim earns you one claim-free year (schadevrij jaar). The more claim-free years you build up, the higher your no-claims discount (no-claimkorting). At Audi, your discount can add up to a maximum of 80%.
When you apply for Audi car insurance, you’ll be asked how many claim-free years you have. If you’ve previously been insured in the Netherlands, Audi verifies these through Roy-data, the national database used by Dutch insurers. If your claim-free years were built up abroad, they may be assessed differently.
If you make a claim for damage that can’t be recovered from someone else, you’ll usually lose part of your no-claims discount. Claims for recoverable damage, as well as storm, fire, hail, theft and standalone glass damage, normally don’t affect your claim-free years.
The no-claims bonus ladder at Audi
Most Dutch insurers use a so-called no-claims bonus ladder (bonus-malusladder) to calculate your no-claims discount. As you build up claim-free years, you move up the ladder and receive a higher discount. Audi’s ladder has 20 steps, with the maximum discount of 80% at step 19. If you make a claim that affects your claim-free years, you’ll move down several steps at once.
Second car scheme at Audi car insurance
If you already have an Audi insured with Audi Financial Services, your second Audi starts with the same no-claims discount as your first (tweede autoregeling). This means you can benefit from a lower premium from day one, without having to build up your discount from scratch.
Each policy builds up claim-free years separately. A claim on one car doesn’t affect the other.
Conditions second car scheme at Audi car insurance
The table below sets out the specific conditions of Audi’s second car scheme:
| Terms | Audi |
|---|---|
| Type of second car scheme | Full |
| What discount do you receive? | No-claims bonus |
| Maximum discount | Up to 80% |
| Same discount as your first car | Yes |
| Second driver can build up claim-free years | Yes |
| All cars must be registered to one name | No |
| 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:
– Audi car insurance is underwritten by Allianz and is for private use only.
– A partner can build up claim-free years too, as long as they live at the same address.
What Autoverzekering.nl does for you vs. what Audi does
Once you’ve taken out Audi car insurance through us, here’s what to expect from Audi and Autoverzekering.nl:
Compare Audi car insurance
Want to see how Audi car insurance compares with other insurers? Enter your details into our comparison tool. If Audi is available for your situation, you’ll see its premium and cover alongside quotes from other insurers.
Klanten over Autoverzekering.nl
Filing a claim with Audi
Report your claim using the online claim form on the Audi website or by calling 033 479 4950. If you need emergency assistance, the 24/7 emergency line is available on 020 561 89 08, or +31 20 561 89 08 if you’re calling from abroad.
If you’ve been involved in an accident, complete a European Accident Statement (Europees schadeformulier) with the other driver. This helps Audi process your claim more quickly.
Cancelling your Audi car insurance
You can cancel your Audi car insurance at any time after the first year by emailing audiverzekering@allianz.nl. Your policy will end one month after Audi receives your cancellation request.
Audi contact details
Phone:
033 479 17 21
Email:
audiverzekering@allianz.nl
