Planning to get behind the bicycle in the Netherlands ? Make certain you ’ re covered with our complete lead to car indemnity in the Netherlands.
If you ’ re thinking about driving in the Netherlands, it ’ randomness necessity you stay on the right side of the jurisprudence. Car insurance in the Netherlands is mandatary for all drivers and is angstrom authoritative as arranging a dutch drive license .
There are many insurance providers and types to choose from when picking a policy. To help you understand these options, this complete scout explains everything you need to know about car indemnity in the Netherlands .
It includes information on the adopt topics :


not indisputable which way to turn when it comes to getting car insurance ? Let Pricewise take the wheel. Their on-line comparison tool checks the biggest dutch insurers so you get the right deal for you and your car. Before you take to the Dutch roads, check Pricewise and get a quotation mark for car policy today .
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Introduction to Dutch car insurance

In the Netherlands, insurance policies cover the car rather than the driver. consequently, anyone with a valid drive license can legally drive your car. however, the person whose name is on the policy remains legally creditworthy for any damage. By law, you must have at least third-party cable car insurance in the Netherlands. This covers you against any damage or injury to others caused by your vehicle .
To take our car insurance in the Netherlands, you will need to :

  • be a Dutch resident
  • have a Dutch car, or an imported foreign car with a registered Dutch license plate
  • have a valid driving license

Because the vehicle quite than the driver is insured, it is lone possible to insure one cable car on your indemnity policy. however, many companies offer dismiss insurance rates for policies taken out on extra vehicles .
car insurance is the biggest insurance grocery store in the Netherlands outside of health policy and animation insurance. In 2017 alone, there were around 1 million claims related to vehicle accidents in the Netherlands. Because of this, you have batch of choices when it comes to taking out a car policy policy. Car insurance companies in the Netherlands include :
Highway near Amsterdam
car insurance companies in the Netherlands are regulated by the dutch Central Bank ( De Nederlandsche Bank – DNB ) and the Netherlands Authority for Financial Markets ( Autoreteit Financiele Markten – AFM ). The Netherlands Vehicle Authority ( RDW ) is creditworthy for checking that all vehicles in the area are properly insured .
Read more in these guides to indemnity in the Netherlands, driving in the Netherlands, Dutch drivers ’ licenses, and buying a car in the Netherlands .

Can you use car insurance from another country in the Netherlands?

If you move to the Netherlands from another EU area, you can use an existing valid policy policy. however, this is alone if coverage provided is equivalent to Dutch indemnity coverage and your foreign insurance company allows it .
Citizens from non-EU countries moving to the Netherlands normally have to take out a new dutch car insurance policy immediately .

Types of car insurance in the Netherlands

There are three chief types of car indemnity in the Netherlands. These are categorized as follows .

Third-party liability (WA-verzekering)

This is the compulsory minimum flat of fomite indemnity in the Netherlands. This covers the damage caused by your cable car to other parties, including damage to vehicles, damage to property, and injuries to others. It provides coverage if you have an accident where you were at blame .
Third-party liability indemnity is a sensible option if you drive an older or cheap vehicle, or if you don ’ t drive very much .

Extended liability (WA-beperkt casco)

besides known as WA-plus, this is the equivalent of policies sometimes called ‘ one-third party, fire & larceny ’. In accession to covering third parties for damage caused by your car, it besides covers damage to your own vehicle in certain circumstances beyond your control. These include :

  • theft
  • vandalism
  • fire
  • storm damage
  • collisions with animals

All-risk (allriskverzekering)

besides known as comprehensive examination indemnity, this covers all damage to your own vehicle and damage inflicted on third gear parties. There are some exceptions, normally concerning designed damage. Check your insurance policy for exclusions before sign .
All-risk policy is a good choice if you have a modern or expensive car, where the cost of replacing the car yourself in the event of an incident would be besides great .

Car insurance costs

car policy costs in the Netherlands, alike to those in other european countries, will be based on a number of factors. You will be able to get cheaper car insurance if you are considered a lower-risk driver .
Factors taken into report on dutch car insurance premiums include :

  • driving history and experience
  • age and health of vehicle owner
  • vehicle value
  • vehicle weight

You can besides lower your car insurance by increasing your excess or deductible. This is the measure that you have to pay towards any call you make. All insurers will have a compulsory overindulgence but you can choose to increase this in holy order to reduce your monthly or annual premium .
average annual car indemnity premiums in the Netherlands in 2016 were arou neodymium €400. This was the sixth-highest in the EU .

Additional forms of car insurance in the Netherlands

You can opt for extra coverage when choosing cable car policy in the Netherlands. Most companies offer a range of cut policies. Common extra forms of car insurance include :

  • Breakdown insurance – can cover the costs of getting your car repaired and towed away in the event of a breakdown, as well as replacement transport costs.
  • No-claim protection – called no-claimbescherming, this will insure against the first incident in any policy year that might affect your no-claims bonus.
  • Equipment and luggage insurance – covers damage to luggage and clothes belonging to you or other occupants in your vehicle.
  • Personal accident insurance – called ongevallen inzittendenverzekering, covers medical costs and provides compensation in the event of disability or death.
  • Legal expenses insurance – called rechtbijstandberzekering, covers all fees in the event of legal proceedings related to an incident.

Car insurance bonuses and penalties in the Netherlands

like to many other places, the Netherlands uses the no-claims bonus organization. This is where you can reduce your car indemnity premiums according to how many years you have gone without making an indemnity claim .
Each claim-free year entitles you to a further discount rate. Car policy companies in the Netherlands will each have their own no-claims outline, but it is potential to save adenine much as 80 % on annual indemnity costs for drawn-out periods without making a claim ( for example, 10-15 years ) .
Car in Amsterdam
Dutch indemnity companies allow you to carry over claim-free years from another company if you switch policy. It is even possible with many companies to use your spouse ’ randomness claim-free years if you are insuring a car that will be used by a couple .
however, insurers are not obliged to recognize no-claims from other countries but they can do this at their own discretion .
While insurers offer discounts for no-claims periods, they will besides apply penalties to drivers with a poor people drive record. Your premiums will rise if you :

  • have been involved in any incidents that were your fault
  • have been penalized for any misdemeanors such as speeding or drink-driving
  • are a young or inexperienced driver


Car insurance companies in the Netherlands

once you ’ ve decided which kind of car insurance you need, you ’ ll indigence to choose your choose provider. thankfully, the Netherlands has batch of car insurance companies, and some of the biggest dutch insurers include :
You can compare Dutch car insurance policies quickly and efficiently using comparison websites like Pricewise, Independer, and United Consumers. Search our business directory for the Netherlands for more information on individual indemnity companies and comparison websites .

Choosing car insurance in the Netherlands

When choosing car policy in the Netherlands, it ’ s a good idea to shop around for the best deal. Beyond annual premium costs, things you might want to consider include :

  • No-claims bonus – what discounts are offered and can you boost these by using no-claims from elsewhere (e.g., previous policies or from a partner)?
  • Policy coverage – what is included and are there any exclusions? What add-ons are available? This is particularly important if choosing third party liability only.
  • Excess/deductible options – what is the mandatory excess and what are the options for increasing it voluntarily?
  • Company reputation – look at reviews and ratings to see what kind of feedback has been given by consumers.
  • Claims process – how straightforward is it and how quickly will you get reimbursed when making a claim?
  • Roadside assistance – does the company offer a good breakdown assistance policy?

Applying for car insurance in the Netherlands

Each dutch insurance party will have its own applications serve. Most companies now offer on-line applications via their websites, meaning that you can set up your insurance policy quickly without having to make a call call or visit an wall socket .
In general, you will typically need to provide :

  • Vehicle license plate number
  • Address of policyholder
  • Proof of residence (i.e., residence permit or BSN)
  • Dutch bank account details
  • Customs paperwork if you imported your car

Family in car
Policies should be sorted within a match of days and you should receive :

  • your car insurance policy
  • EU accident statement form, to use in the event of an accident
  • car insurance green card, which you will need to have if you drive the car anywhere outside of the EU

Making a car insurance claim in the Netherlands

If you need to make a car insurance claim in the Netherlands, you should do the follow :

  • fill in your car insurance claim report form (available from your insurer).
  • file your insurance claim with your provider – this can usually be done by contacting the claim center or submitting your insurance claim online.
  • complete your EU accident statement form, if your insurance claim is related to a road accident or incident. This should be sent to your insurer to support your claim.
  • contact the police, in the event of an accident. The police will produce a separate incident report.
  • get contact details of other parties involved.
  • if possible, take photos and contact details of witnesses to the incident.

Make certain that you provide your insurance policy total on all documents sent to your insurance company .
In the Netherlands, there is no general deadline for making an indemnity claim. however, you should always file a claim american samoa soon as possible in order to increase the chances of the claim being successful .

Canceling a contract or changing provider

It ’ mho normally quite easy to cancel a dutch indemnity policy. many companies allow you to cancel on-line, although you will normally need to complete an on-line form and give reasons for cancellation. Companies will much try to dissuade you from canceling your policy .
however, you should check the cancellations policy with your provider for details of any notice periods that you need to give .
You are free to change providers at any time if you find a better distribute elsewhere, so it pays to shop around when your policy is up for renewal. You can normally carry over any no-claims bonuses if switching from another dutch company. Some providers may besides allow you to transfer no-claims periods from insurers afield .

Making a complaint about a Dutch car insurance company

If you want to make a complaint about a dutch cable car indemnity company, you should follow these steps :

  • Step one – file a complaint with the insurance company. They might be willing to resolve it without you taking it further.
  • Step two – if you are not happy with the outcome of step one, you can escalate the complaint to the Dutch Financial Services Ombudsman (Klachteninstituut Financiële Dienstverlening – Kifid). Kifid consists of an Ombudsman and a Disputes Committee. If you’re not happy with the Ombudsman’s verdict, you can ask the Disputes Committee to look into it, but this will cost you €50.
  • Step three – if you are still not satisfied, you can take the matter to court. However, this is likely to cost you so you should be confident that you have a strong case before embarking on this.

You can read more information on complaints and appeals on the AFM web site.

Roadside assistance in the Netherlands

cable car insurance companies in the Netherlands may offer roadside aid policy. You can besides join a membership club such as the Royal Dutch Touring Club ( Algemene Nederlandse Wielrijdersbond – ANWB ). This is the most long-familiar association in the Netherlands providing wayside aid vitamin a well as a range of other services .
Another newer arrangement is Route Mobiel. Both the ANWB and Route Mobiel offer breakdown aid that covers the costs of emergency repair, replacement fomite and repatriation if necessity. coverage is available for the Netherlands or can extend throughout the EU .
Costs depend on the extent of coverage chosen. Current ANWB packages range from €5.40 – €11.60 a calendar month for Dutch coverage and €7.90 – €18.35 a calendar month for EU coverage .

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