Insurance > Car insurance in the Netherlands

Car insurance in the Netherlands

If you have a car, vehicle insurance with WA coverage (Wettelijke aansprakelijkheid) is compulsory. Insurance that covers damage done to third parties is mandatory limited casco and all-risk are optional. 

Car insurance in the Netherlands
Insurance: Car insurance in the Netherlands

Which types of car insurance are there?

WA coverage (Wettelijke aansprakelijkheid)

WA insurance (third party liability) is mandatory in The Netherlands and the most basic kind of car insurance. WA insurance covers the damage you caused to another car. This is a polpular insurance for older cars.


WA coverage limited Casco

This insurance covers the damage you caused to another car. Damage caused by yourself on your own car, is not reimbursed. You will get a reimbursement for damage to your own car caused by theft, collision with animals, storm or window damage. This insurance is mostly chosen for 5- 10 year-old cars.



All-risk insurance

An all-risk insurance is optional, it covers theft, damage to your vehicle and personal injury. This insurance covers damage to other cars and almost all damage to your own car. All-risk insurance is recommended when you have a car younger then 4 years or when you don't like to take the financial risk replacing your car when you are responsible for an accident.

ANWB Roadservice (AAA)

The Royal Dutch Touring Club ANWB offers a wide range of services related to roadside assistance and medical and repatriation assistance abroad, legal assistance, travel, information products, insurances, selling travel related products and many other products and services in the areas of recreation, tourism and mobility. Furthermore, the ANWB is active in lobbying in the fields of driving, mobility, travel and recreation. Visit the website of ANWB

ANWB Roadservice (AAA)

Car insurance | Compare and close

At Independer, you can compare and close car insurances from over 50 Dutch car insurance brands. There isn’t a more complete overview to be found in the Netherlands. Make an online comparison to find the right policy for both you and your car. Here, you will also find more information about car insurance, and other types of Dutch insurances, and the latest news and reviews.

At their customer service centre over 60 English speaking car-experts are available, they can tell you more about a car insurance in the Netherlands and, if you want, help you with closing your car insurance. Feel free to contact the Independer customer service centre on +31(0)35 626 55 44.

FAQ about Car Insurance

Is car insurance mandatory in the Netherlands?

Yes, in the Netherlands having a car insurance that has at least a third party liability car insurance, which is called WA (Wettelijke Aansprakelijkheid) is mandatory.

How much is car insurance in Netherlands?

If you choose a basic WA (Wettelijke Aansprakelijkheid) which means you are only insured for third part liability, you pay around 30-50 euro per month. Do you want more like All-risk insurance this can go up to 100 euro per month. On average people in the Netherlands pay around 75 euro per month.

 

Can I drive my friend's car in Netherlands?

Car insurance in the Netherlands is not personally but for your car, relatives and family can drive it without having their names added to the policy.

What is an approved child seat in the Netherlands?

In the Netherlands child seats include baby car seats (0 to 13 kg), child car seats (13 to 18 kg) and booster seats (18 to 36 kg) that are approved. A child seat must comply with the EU safety standards. They have a label indicating ECE R44/03, R44/04 or i-Size compliance.

Car insurance providers

Aegon

AEGON is a multinational offering car insurance for a fair price. Enter your license plate to get a quote. 

Univé

Univé is a cooperative insurance company in the Netherlands. Univé presents itself as a nonprofit insurer, to express that making profit is not important and therefore has cheaper products.

Centraal Beheer

Centraal Beheer is one of the biggest insurance companies in the Netherlands with insurances for home, car, your bike and much more.

This page was last updated: 1/10/2022.