Car Insurance

The Dutch system for car insurance works slightly different then in most other countries. The premium is based on the following information:

  • Type of car
  • Weight of the car
  • Cataloguie value of the car
  • Postcode-area
  • Age of the regular driver
  • Number of no-claims years of the regular driver from the previous car insurance company 
  • Driving experience in years of the regular driver
  • Type of cover
  • Amount of kilometres the car will drive per year

The regular driver is usually the preson who ownes the car and in whose name the registration will be. This does not mean that the regular driver is the only person who is allowed to drive the car. Your partner or even a friend is allowed to drive the car too. Sometimes the own-risk is higher if the driver is younger then 24. The standard own-risk is € 136,-

There are 3 types of cover you can choose from:

  1. WA (liability only): this means you are covered for any damage you cause to others, but damage to your own car is not covered. This cover is usually for cars older then 6 years or with a value lower then € 5.000,-
  2. Beperkt-Casco (part risk): means that liability is covered + fire, theft and window damage. Any damage that you cause yourself to your own car is not covered. This cover is usually used for cars older then 3 years and with a value between € 5.000,- and 10.000,-.
  3. All-risk: Liability is covered and also any other damage you cause yourself. This insurance is for new cars.

Depending on the new-value of the car the insurance company might ask for an alarmsystem. Most new cars have a class 1 SCM-alarm built in standard.