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Car insurance the netherlands

Car insurance in the Netherlands

When you're looking for car insurance in the Netherlands, you're in the right place. At Netpolis we compare the majority of car insurances available in the country. Comparing insurance for your car is easy, as you just need the license plate and a few extra personal details to get a list of premiums available.

Weather you want a better deal from your current provider, of you're looking just for a new insurance company after moving to Holland, with just a few clicks we offer you the most competitive proposals available. With our price comparison tool you'll always find the best offers and save up to 50% on auto insurance premiums!

What you need to know about Dutch car insurance

When you own a car in Holland, it’s mandatory to have a car insurance with at least a basic liability protection. Also if you don't use the car for a longer period and it's still registered at the RDW institute (Rijksdienst voor het Wegverkeer).

The minimum requirements to getting an auto insurance in The Netherlands:

You have to be a Dutch resident;
Your car has a Dutch license plate;
You must have a European Union (EU) drivers license.

Car insurance the Netherlands Insurance policies cover the car rather than the driver. For driver accidents there are complimentary covers that can be purchased together with the main car policy. Consequently, anyone with a valid European driving license can legally drive the car. But notice that the main insurer and owner of the car always remains legally responsible for any damages.

The minimal mandatory cover is called is a third-party liability insurance (Wettelijke Aansprakelijkheid). This insures you against any damages or injury to others caused by your vehicle.

What does it cost to insure my car?

The costs to insure your car depends on a number of factors as the age of the driver and place of residence. This are the most common factors:

Age of the driver;
The place of residence (based on postal code);
The weight and price of the vehicle;
Your insurance history based on claim-free years.

For the exact costs it's advisable to make a calculation with our comparison tool below, where all of the above factors are taken into account.

Coverages of Dutch car insurances

The coverage that's best for your situation depends on your car and the damages that you want to cover. Mainly there are three different coverages, that are all available at Netpolis.

Third-party liability (WA)

It's mandatory to insure your car with at least a third-party liability coverage. This covers damages to other people and their property.

Third-party liability +limited cover (WA Beperkt Casco)

This insurance covers the same damages as the WA-coverage but also some damages, like car theft, storm damage and broken glass, that are caused outside your liability.

Third-party liability +comprehensive cover (WA Volledig Casco)

This is the most comprehensive cover where you are, besides the coverages above, also covered for almost all damages to your own car. This coverage is mostly used for new or fairly new cars.

With the two extended coverages, you can also choose your excess or deductible. This is the amount you need to pay yourself with any claim that you make to the insurance. Most insurance companies offer you a specific amount for excess, buy in most cases you can adapt this amount to lower your premium.

How to switch from my current car insurer

To switch to another car insures is fairly easy. Almost every car insurance policy can be cancelled monthly, so when you find a better deal or a policy with better conditions, you can apply for a new policy with Netpolis and give us that date that your current policy stops. Only take care that you don’t cancel your current insurance until your application for a new one is accepted by the new insurer.

Switching can save you up to hundreds of euros per year!

Frequently asked questions

Do I need a Dutch drivers license to insure my car in the Netherlands

You need a valid drivers licence to insure your car, but that doesn't specific has to be a Dutch drivers license. If you have a valid driver's license from another EU country, you can use it in the Netherlands without any time limit. Although some insurance companies may have their own requirements and may prefer or require you to have a Dutch license. Therefore it’s always wise to check with the specific company to understand their requirements.

How can I make a claim on my car insurance?

With most Insurance companies you can easily report your claim online. Always fill in the EU accident form (called schadeformulier in Dutch) that has been provided by your insurer. File the claim with your provider and upload or send them photos of the accident as possible. In event of an accident it’s always wise to contact the police and let them make an incident form. This form you can also send together with your claim to your Insurance.

Do I need a Dutch address to insure my car?

Yes, in Holland you need a Dutch address to insure your car. You will need to provide an address where you live and some insurers require proof or residency when you apply for an insurance. Also, to register your car in Holland, you require a valid address. This requirement exists because most companies determine their risk and based on various factors, including the location where the car will be primarily used.

Where can I find the cheapest car insurance in the Netherlands?

Regarding only the coverage, insurance with third party liability coverage is the most affordable option to insure your car. But remind yourself that only the damage caused to someone else is covered. When you want a better coverage, you can choose for several extended coverages. Premiums mainly depend on your driving history, the characteristics of the car like price and weight, and your location in the Netherlands. To compare different Insurance options and premiums you can make your comparison here.