Volkswagen car insurance
Volkswagen car insurance combines manufacturer-approved repairs with the flexibility to choose the cover that suits you. Covered repairs are carried out by authorised Volkswagen dealers using original Volkswagen parts, and you can choose the level of cover that suits you.
Compare car insuranceAbout Volkswagen car insurance
Volkswagen car insurance is designed specifically for Volkswagen owners and gives you the choice of 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). Depending on the policy you choose, you can add several extras such as breakdown assistance, motor legal protection, replacement transport and extended accessory cover.
One of Volkswagen’s main strengths is its close connection to the Volkswagen dealer network. Covered repairs are carried out by authorised Volkswagen dealers using original Volkswagen parts and the manufacturer’s repair methods. This helps to maintain your car to Volkswagen’s standards.
Volkswagen car insurance is arranged by Volkswagen Pon Financial Services (VWPFS), with Allianz acting as the insurer. Volkswagen Pon Financial Services is supervised by the Dutch Authority for the Financial Markets (AFM), while De Nederlandsche Bank (DNB) oversees the financial stability of insurers operating in the Netherlands.
Pros and cons of Volkswagen car insurance
Volkswagen car insurance offers several benefits for Volkswagen owners, but there are a few drawbacks to consider as well.
Is Volkswagen car insurance available in English?
Volkswagen car insurance is primarily offered in Dutch. The website, application process and policy documents are only available in Dutch, so you’ll normally manage your policy in Dutch from start to finish.
For everyday tasks, a translation tool will usually get you a long way. If you’re taking out a policy, checking the policy conditions or reporting a claim, it’s worth asking a Dutch speaker to help.
Some customer service agents may also be able to assist in English, but Volkswagen Financial Services doesn’t guarantee that English-language assistance is available.
Do I need to be a Dutch resident to take out this policy?
You’ll need a Dutch address and a car registered in the Netherlands with a Dutch licence plate. Your postcode is one of the factors used to calculate your premium, so you’ll normally need to be living in the Netherlands when you apply.
Repairs through the official dealer network
“Volkswagen car insurance stands out for its close connection to the official dealer network. If your car is repaired following a covered claim, the work is carried out by an authorised Volkswagen dealer using genuine Volkswagen parts and the manufacturer’s repair methods. This added peace of mind can come at a higher premium, so it’s worth comparing your options before you decide.”
Jean-Paul Würsten,
Car insurance expert
Premiums table Volkswagen car insurance 2026
The premium for Volkswagen car insurance depends on your car, where you live and your personal situation.
| Premium* | Type of cover |
|---|---|
| € 51,41 | Third-party liability (WA) |
| € 56,30 | Third-party liability + limited cover (WA beperkt casco) |
| € 74,71 | Third-party liability + comprehensive cover (WA volledig casco / all risk) |
*These monthly premiums are based on car insurance for a Volkswagen Golf (2016, security class 1) for a 54-year-old driver from Amersfoort. The driver covers 10,000 kilometres per year and has five claim-free years. Source: Autoverzekering.nl premium comparison tool.
Last updated: 1 October 2026.
Calculate your Volkswagen premium
Your Volkswagen premium is tailored to your personal situation. The insurer looks at factors such as your Volkswagen model, where you live, your age, driving history and expected annual mileage. The level of cover you choose also makes a difference, as do any optional extras you add, such as breakdown assistance or motor legal protection.
Want to know what Volkswagen car insurance would cost you? Enter your licence plate and a few personal details in our comparison tool to see your personal premium and compare it with quotes from other insurers.
Basic cover with Volkswagen 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
Volkswagen offers several optional extras that let you tailor your car insurance to your own needs. These are the main ones to consider:
Motor legal protection
Legal assistance is available if you become involved in a traffic-related dispute. This includes recovering damages after an accident, disagreements over liability, or disputes about the purchase, maintenance or repair of your Volkswagen.
Extended accessory cover
Accessories fitted to your Volkswagen are insured up to € 3,500 as standard. If you’ve invested in more expensive equipment, you can increase the limit to € 5,000.
Extended new value guarantee
The standard comprehensive policy includes one year of new value cover. By extending this to three or five years, you’ll receive the new value of your Volkswagen if it’s stolen or written off during that period.
Passenger insurance
Passenger insurance covers the financial consequences of injuries sustained by the driver and passengers, including medical expenses, lost income and damage to personal belongings, regardless of who caused the accident. Cover is provided up to € 1,000,000 per incident.
Claim-free years at Volkswagen
Claim-free years (schadevrije jaren) reward safe driving. Every insurance year without a claim earns you one additional claim-free year, increasing the no-claims discount (no-claimkorting) on your Volkswagen car insurance over time.
Not every claim affects your claim-free years. If your insurer can recover the costs from another party, your claim-free years usually stay the same. Claims for events such as fire, storm or theft also generally don’t reduce your no-claims discount. The same is often true for windscreen damage, depending on your policy conditions.
If you make a claim that can’t be recovered from someone else, you’ll normally lose five claim-free years, reducing your discount and potentially increasing your premium.
The no-claims bonus ladder
Volkswagen uses a 20-step no-claims bonus ladder (bonus-malusladder) to calculate your discount. Drivers without any claim-free years start at step 1 with a 25% surcharge. As you build up claim-free years, you move up the ladder and receive a higher discount. At step 10, the discount reaches 62.5%, while the maximum discount of 80% applies from step 19.
Second car scheme at Volkswagen
Already have a Volkswagen insured through Volkswagen Financial Services? Then your second Volkswagen may also qualify for the same no-claims discount, even if it hasn’t built up any claim-free years yet. In the Netherlands, this is known as the tweede autoregeling (second car scheme).
The scheme is available for you or your partner, provided you live at the same address. Each car builds up its own claim-free years independently, so a claim on one car doesn’t affect the claim-free years of the other. Children living at home aren’t eligible.
Conditions second car scheme at Volkswagen
The table below sets out the specific conditions of Volkswagen’s second car scheme.
| Terms | Volkswagen |
|---|---|
| Type of second car scheme | Nearly full |
| What discount do you receive? | No-claims bonus |
| Maximum discount | 75% |
| 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 |
What Autoverzekering.nl does for you vs. what Volkswagen does
Compare Volkswagen car insurance
Volkswagen car insurance isn’t the only option for Volkswagen owners. Compare your personal premium, cover and policy features with other insurers to see which policy offers the best value for your situation.
Klanten over Autoverzekering.nl
Filing a claim with Volkswagen
You can report a claim online by completing the claim form on Volkswagen Financial Services’ website and uploading photos of the damage. If you’d rather speak to someone, call the claims team on 033 479 4960.
If your car breaks down or you’re involved in an accident, roadside assistance is available on 020 561 89 08 within the Netherlands or +31 20 561 89 08 from abroad.
For glass damage, simply make an appointment with an authorised Volkswagen dealer. There’s no need to report it separately, and repairs carried out through the dealer don’t require you to pay an excess.
Cancelling your Volkswagen car insurance
You can cancel your Volkswagen car insurance by emailing volkswagenverzekering@allianz.nl. Your policy ends one month after Volkswagen Financial Services receives your email.
You can also cancel during the first contract year. The same one-month notice period applies.
Contact details Volkswagen
Email:
volkswagenverzekering@allianz.nl
Phone:
033 479 17 22
Website:
www.volkswagenfinancialservices.nl/volkswagen-autoverzekering
Making a complaint:
Start by submitting your complaint to Volkswagen Financial Services. If you can’t reach a solution together, you can refer the case to Kifid, the independent Dutch body that settles disputes between consumers and financial services providers.
