Centraal Beheer car insurance
Centraal Beheer is part of Achmea, one of the Netherlands' largest insurance groups. The group also owns several other well-known Dutch insurance brands. Centraal Beheer offers a wide range of insurance and financial products to individuals and businesses.
Compare car insuranceAbout Centraal Beheer car insurance
Centraal Beheer has been offering insurance in the Netherlands for more than a century. Founded in 1909, the company became part of Achmea in 2001 and is now one of the country’s best-known insurance brands. Its head office is in Apeldoorn, a city in the eastern part of the Netherlands.
Car insurance at Centraal Beheer comes in three tiers. Third-party liability (WA) is the legal minimum. Third-party liability + limited cover (WA beperkt casco) adds protection against things like theft, storm damage and fire. Third-party liability + comprehensive cover (WA volledig casco / all risk) covers most damage, including damage you caused yourself.
Centraal Beheer belongs to the Verbond van Verzekeraars, the Dutch insurers’ association, and falls under supervision by the AFM.
Pros and cons of Centraal Beheer car insurance
Is Centraal Beheer car insurance available in English?
Yes, to an extent. Centraal Beheer runs a dedicated English-language page for car insurance, covering the basics of cover, pricing and a FAQ section aimed at international customers. The core account environment and full policy documents remain Dutch, so it’s worth having key details checked by a Dutch speaker before you sign.
Can I insure an imported car or one without a Dutch licence plate yet?
Yes, but only with temporary third-party liability (WA) cover for the purpose of taking the vehicle to an RDW inspection. Centraal Beheer can arrange temporary cover over the phone, using the car’s chassis number instead of a licence plate number. Once the RDW has approved the vehicle and assigned it a Dutch licence plate, you can arrange a regular insurance policy and choose more extensive coverage if desired.
No notice period, but a slightly higher premium
“What stands out about Centraal Beheer is the lack of a notice period, even in your first year. That’s rare among Dutch insurers and an advantage if you like the option to switch without being locked in. The trade-off is a premium that’s usually a bit higher than the cheapest options on the market.”
Jean-Paul Würsten,
Car insurance expert
Premiums Centraal Beheer car insurance 2026
The table below shows the premiums Centraal Beheer quoted for our average driver profile across all three levels of cover:
| Premium* | Type of cover |
|---|---|
| € 39,65 | Third-party liability (WA) |
| € 46,73 | Third-party liability + limited cover (WA beperkt casco) |
| € 80,10 | Third-party liability + comprehensive cover (WA volledig casco / all risk) |
*These monthly premiums are based on car insurance for a Suzuki Jimny (2019) for a 54-year-old driver from Amersfoort. The driver covers 10,000 kilometres per year and has five claim-free years. Last updated: 1 October 2026.
Calculate your premium with Centraal Beheer
Your premium isn’t fixed. Like all Dutch insurers, Centraal Beheer calculates its pricing based on factors such as your age, the make and model of your car, and how many kilometres you drive each year. Your number of claim-free years also plays a role, as does the level of cover you choose. Third-party liability is the cheapest option. Third-party liability + comprehensive cover is the most expensive, since it’s also the most extensive.
Enter your licence plate number, address and personal details in our comparison tool to see how Centraal Beheer’s premium compares to those of other insurers in just a few minutes.
Basic cover with Centraal Beheer 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
Centraal Beheer offers three ways to extend your car insurance beyond the basics:
- Passenger insurance (SVI)
Everyone in the car is covered after an accident, driver included and regardless of fault. This includes injuries and damaged belongings, up to € 1,000,000 per incident. - Motor and medical legal protection (Rechtsbijstand verkeer en medisch)
Legal support if you end up in a dispute over damage, liability or buying a car. This also extends to disputes involving medical negligence. - Breakdown assistance Netherlands or abroad (Pechhulp)
If your car breaks down, Centraal Beheer will try to get you back on the road as quickly as possible. If the problem can’t be fixed at the roadside, your car will be towed to a garage. Replacement parts and breakdowns caused by poor maintenance aren’t covered.
Claim-free years and the no-claims bonus ladder at Centraal Beheer
Car insurance in the Netherlands may work differently from what you’re used to. Rather than paying a fixed premium, the price you pay depends largely on your claim-free years (schadevrije jaren). Every year you don’t make a claim earns you another claim-free year, which increases your no-claims discount.
With Centraal Beheer, that discount can be as high as 79%. This percentage is usually reached after around ten claim-free years. If you make a claim that can’t be recovered from another party, you’ll lose five claim-free years in one go.
No-claims bonus ladder at Centraal Beheer
Centraal Beheer uses a 30-level no-claims bonus ladder (bonus-malusladder) to calculate your discount. The more claim-free years you have, the higher you move up the ladder and the bigger your discount. The maximum discount is 79%, reached at level 28. If you make a claim that affects your no-claims discount, you’ll move down the ladder and lose a part of your discount.
Second car scheme at Centraal Beheer
Already have a car insured with Centraal Beheer? Then you can insure a second car with the same no-claims discount as your first. That discount can be as high as 79%, while many other insurers only offer a reduced discount for a second car. To qualify, both cars must be registered at the same address. They must also be insured by the same policyholder or their partner.
Conditions second car scheme Centraal Beheer
Thinking about insuring a second car with Centraal Beheer? Here are the conditions you need to meet:
| Terms | Centraal Beheer |
|---|---|
| Type of second car scheme | Full |
| What discount do you receive? | No-claims bonus |
| Maximum discount | Up to 79% |
| 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 | Yes |
Additional information:
- A partner may be able to transfer their claim-free years by signing a waiver, provided that the claim-free years were earned by that partner themselves and meet the insurer’s conditions for transfer.
- A claim only affects the claim-free years of the car involved. The no-claims discount on any other cars remains unchanged.
- Children living at home are not eligible for the second car scheme.
What Autoverzekering.nl does for you vs. what Centraal Beheer does
The table below outlines the roles of Autoverzekering.nl and Centraal Beheer:
Comparing Centraal Beheer to other insurers
Curious how Centraal Beheer compares to other insurers? Our comparison tool pulls together the premium and cover from several providers, based on your car and personal situation. Within minutes you’ll see exactly how Centraal Beheer compares to other insurers, and whether this insurer is the right fit for you.
Klanten over Autoverzekering.nl
Filing a claim with Centraal Beheer
Damage to your car can be reported online, through the website or app. In an emergency, the 24-hour emergency line is available on 055 579 7955.
Cancelling your Centraal Beheer car insurance
Centraal Beheer doesn’t apply a notice period, even during your first year. Cancel whenever it suits you, directly through Mijn Centraal Beheer or the app. Prefer to speak to someone on the phone? Customer service is available on 055 579 7700.
Centraal Beheer contact details
General phone:
055 579 8000
Emergency phone:
055 579 7955
Chat:
Bottom right of the Centraal Beheer website, or through Mijn Centraal Beheer
Address:
Centraal Beheer
Postbus 9150
7300 HZ Apeldoorn
