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

We explore in this section

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)

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

Centraal Beheer

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


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


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.


ABN AMRO Bank N.V. is the third-largest bank in the Netherlands. They also have highly rated insurances and mortgages. If you already have an bank account with them, this is the easiest option to get Car Insurance. Check the website for more information.

This page was last updated: 09/14/2023.