Car insurance in the Netherlands

Dutch car insurance

It is mandatory for all cars to have at least third party liability car insurance. The Dutch name for this coverage is WA (Wettelijke Aansprakelijkheid). This car insurance covers damage inflicted with your car to other people and their property. But you can also choose WA Plus or All Risk coverage. These insurances offer a more comprehensive coverage.

Differences between car insurances

Honig en Honig offers different types of car insurances. Depending on your situation and your car you can choose one of these coverages.

• WA coverage (third party liability)
  The WA insurance is the mandatory and cheapest kind of car insurance. This insurance only covers the damage you caused to another car. Most people with cars older than 10 years choose for this basic insurance.
• WA coverage (legal liability) + limited Casco or WA Plus
  WA Plus does not only cover damage and injury inflicted to others with your car, but also several types of damage to your own car. The following damages are covered with WA Plus:
  • Theft, burglary and joyriding
  • Damage caused by storm, hail and flood
  • Damage caused by fire
  • Broken or cracked windows
  • Damage caused by vandalism
  • Damage as a result of a collision with stray animals or birds
• WA coverage (legal liability) + Casco or All risk car insurance
  All Risk car insurance (fully comprehensive / full coverage) provides the most comprehensive coverage. It covers, next to the damages mentioned above, most damages caused to your vehicle. Even damage caused by an accident that was deemed your fault or where fault cannot be determined. All Risk gives you the peace of mind that you don’t have to pay for expensive repairs yourself.

Additional extra’s for car insurances

If you want, you can add additional services or benefits to your car insurance policy. These are the additional coverage options you can choose:

• Damage and Occupants insurance : Ongevallen Inzittenden or Schade Inzittenden
  Are you involved in a car accident that is caused by yourself or where fault can not be attributed? Then you will not receive a reimbursement from your car insurance for your or your occupants injuries.Occupants insurance is an additional coverage option to your car insurance. There are 2 versions:
  • With Ongevallen Inzittenden, you and other passengers in your car receive a fixed compensation for permanent impairment as a result of a car accident. In the case of death, relatives will receive a fixed compensation
  • With Schade Inzittenden, all the real costs of injury or death after a car accident will be compensated. Medical costs, but also, for example, loss of income due to the injury.
• Extension of the new car replacement cover: Nieuwwaarderegeling
  WA Plus and All Risk cover the theft of your car. All Risk also covers total loss of your car; with WA Plus total loss is only covered when caused by one of the events mentioned under “WA Plus”. In case of theft or total loss, the insurance company will reimburse the current market value of your car. Unless you are the first owner of your car and the car is less than 1 year old at the time of theft or total loss. In that case they will reimburse the original price of the car. With Verlenging Nieuwwaarderegeling you can extend this period of time to a maximum of 3 years. You have this option if you choose for an All Risk car insurance.
• Insurance for your car accessories: extra accessoriesdekking
• Legal assistance insurance: Verhaalservice or Rechtsbijstandverzekering auto
  • If you get involved in a car accident with another vehicle and the other driver is to blame, it can be difficult to get compensation from them. With Verhaalservice, you can get expert legal help to claim compensation for material damage to your car. If you take out our All Risk car insurance, you get this service for free.
  • With Rechtsbijstandverzekering Auto you also get help: to claim compensation for injuries or permanent impairment following a car accident when you have legal issues after buying, selling or repairing your car You will receive the help from legal experts.
• Roadside assistance: Pechhulp Netherlands or Europe
  Before taking out roadside assistance, please check your car warranty first, as it may offer roadside assistance.

Own risk and voluntary excess

If you make a claim for damage on your WA Plus or All Risk policy, in some cases you will have to pay an excess (or deductible). With the car insurance you have the option to increase the compulsory excess with a voluntary excess of € 500,- or € 1.000,-. The voluntary excess is an extra amount on top of the compulsory excess. With a voluntary excess you will get a discount on your insurance premium.

Cheap car insurance

Are you looking for cheap car insurance? With our car insurance, you can insure your car exactly the way you want for a fair price. You get to choose the coverage and additional extras and you can change the coverage anytime you want. This way you will always have cheap car insurance that suits your needs and demands.

Claim free years and your dutch car insurance

Similar to most European countries, car insurers in the Netherlands follow a bonus/malus system: the more claim-free years you have, the higher the discount you receive on your insurance premium. Every year you are insured without claiming a damage where you are at fault, you earn a claim-free year.

Car insurance comparison by Honig en Honig

We compare car insurances of several insurance companies and we will offer you the most affordable car insurances. Honig en Honig has a collaboration with different qualified car insurance companies.

Translations for a premium quote

Bereken uw autoverzekering: Calculate your car insurance
Kenteken: License Plate
Ik weet het kenteken niet: I do not know the license plate
Primair gebruik: Primary use
Aantal kilometers per jaar: Number of kilometers per year
Leeftijd rijbewijs behaald: Age driving license achieved
Schadevrije jaren:Damage free years
Postcode: Zip or Postal Code
Huisnummer: House number
Huisnummer toevoegsel: House number additive
Geboortedatum bestuurder: Birthdate driver
Emailadres (optioneel): Email Address (Optional)

Requirements for a Dutch car insurance

Are you interested in our car insurance? Then get a quote right now. Please take into account that you can only take out a Dutch car insurance if you actually live in the Netherlands and are registered with your local municipality. Furthermore, you must have a valid driving license.

• You have a European Union (EU) driving license
• Your car has a Dutch license number
• You have to live in the Netherlands

Car insurance and drivers license

International residents in the Netherlands can use their own (foreign) driving license for a certain period of time. Eventually you will have to obtain a Dutch driving license ( “rijbewijs”). You can read all about exchanging your foreign driving license for a Dutch license on the website of the Dutch mobility authority (RDW).

Policy documents

Right after the insurance company has accept your request for car insurance, you will receive your policy documents in your mailbox. These include the policy, a European accident statement form and a green card. We advise you to print out the accident statement form and the green card and store a copy of both in your car. You will need these documents when you are involved in a car accident.

Policy validity

Our car insurances are valid in all EU-countries and countries bordering the Mediterranean Sea. You can find a list of all the countries on your green card. Our car insurance is not valid in countries that are not on this list or which are crossed out. The car insurance is valid when you drive your car, but also when someone else drives your car with your permission.

Want to know more about car insurance in the Netherlands?

If you want more information or if you have any questions about your car insurance, please do not hesitate to contact us. Our advisors will answer your questions and provide you with all the help you need. You can contact us by phone 072-5642669, Dit e-mailadres wordt beveiligd tegen spambots. JavaScript dient ingeschakeld te zijn om het te bekijken. or by using the contact form on our website.