Frequently Asked Questions
regarding the car insurance in the Netherlands
What personal information do I need to apply for a car insurance Netherlands online?
What information do I need to apply for a car insurance in the Netherlands?
What is a reporting code and where can I find it?
Will the car insurance company always accept me?
How about the cancellation of my current car insurance?
What is a green card and when will I receive it?
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Collect your details, like your license number, the number of claim-free years and the numbers of kilometres you drive annually.
Step 2: choose car insurance
You will receive an overview of the most advantageous car insurances for your car. This way you can choose the best and cheapest car insurance.
Step 3: start saving
Choose the car insurance which fits you the best and start saving immediately. You can save up to € 175,00 a year.
Free Plus package
If you take out car insurance, you will receive a free Plus package. You will receive a free annual premium-check and a free fuel card. This way you can fuel your car with a discount. Also, we help you recover damages from the other party free of charge.
WA car insurance
car insurance
You must have a European (EU) driving license.
Your main residence is in the Netherlands.
Your car has a Dutch license plate.
Requirements for a car insurance in the Netherlands
As a car owner in the Netherlands you are obligated to have at least a third-party liability car insurance (
). To apply for a
, it is important that you meet certain conditions, such as:
Cheap car insurance in 3 steps
Do you want to compare car insurances from different car insurance companies? We'll help you! In 3 easy and simple steps you can compare car insurances yourself:
What coverage do I need for my car insurance?
We offer different types of car insurances. Depending on your situation and your car, you can choose one of the three coverages that fits you best.
Your car is very sensitive to theft and you do not have the required security.
You have a history of late payments, or currently have an arrears of payment.
A combination of risks, like for example: you are young and you have just obtained your drivers license, but you have also just bought a very expensive car. This combination of risks can be rejected by the insurance company.
Do you want to insure your car for extra risks? You can choose an
. For example, coverage in the event of personal injury caused by accidents or coverage for both material damages and personal injuries to all passengers in the car.
Reporting code
You'll need the
to take out your car insurance. The reporting code is a unique code which corresponds to the last 4 digits of the identification or chassis number of your car. You can also find the reporting code on your registration certificate.
Own risk
The '
' is the amount you pay yourself in case of damage. At most insurers you can increase your own risk, which will lower your premium. You can choose from car insurances with a own risk from € 0 to € 500.
additional insurance
reporting code
own risk
Looking for a car insurance in the Netherlands? It is mandatory in the Netherlands for all cars to have a Dutch car insurance with a third-party liability coverage.
At UnitedConsumers, you can compare car insurances in the Netherlands from different car insurance companies. You can save
up to € 175,00 per year
on your car insurance in the Netherlands!
When you apply for the car insurance, you need some personal information. Such as:
It is important that if you are the driver of the car, that your information is used to apply for the car insurance. You can mention a different owner of the car later in the application form. But most of the time it is most convenient that if you are the driver, that you also are the owner of the car.
The green card is a document which will be send to your address after you have been accepted by the car insurance company. It is an important document, so it is good to always keep it in the car. The green card lists all the countries in which you are insured. And it also contains some telephone numbers that you might need in certain situations, such as emergencies. You will receive a new green card every year.
If you are planning to take a trip abroad with your caravan, you can ask us for a green card for your caravan. You will need a separate green card for your caravan, especially in countries such as Germany, Spain and Poland.
Comparing a new car insurance? It is wise to only cancel your current car insurance once the application for your new insurance has been accepted. This way your car always remains insured.
Jorg van Rijn -
Before you apply for a car insurance, it is important that you gather all your personal information. Most of the time, you already know the license plate number, the reporting code (meldcode) and all of your personal information. But it is also important to know how many claim-free years you have, the current market value of the car and your mileage.
Claim-free years
If you currently have a car insurance in the Netherlands, and you are considering changing it, then your current insurer knows how many
you have. You can ask your current insurance company, you can check your latest policy or you can request your number of damage free years in the
. If you are moving to the Netherlands, then it might be different. Car insurers in the Netherlands can only take over Dutch claim-free years that are registered in the Roy Data system. If you do not have any Dutch claim-free years, you will start at 0.
Though, there are some exceptions. For example, if your car insurance company can offer you a written statement in which they claim that you did not have any damages in the last few years. Maybe, in some cases, it is possible that the car insurance company in the Netherlands will grant you those claim-free years. It depends on the situation, the written statement and the car insurance company. If you have found yourself is this situation, it is always good that you apply with 0 claim-free years. You can later send us the statement, so we can see if our insurers can grant you damage free years from abroad.
The value of your car
When you apply for a car insurance, it is important to know the current market value of the car. The
of the car is the amount the car is worth at this very moment. The value that is shown on our website is often an average. This does not mean that is it the actual market value. If your car has a different market value, you can easily adjust the value yourself.
Mileage
The so called 'kilometrage' (Dutch for mileage) is the number of kilometers you drive annually. It is often an estimate, and it depends on whether you drive to work every day, or other frequently recurring trips and of course vacation.
The reporting code ('
' in Dutch) is a unique combination of 4 digits and is equal to the last 4 digits of the chassis number. If you know the chassis number, you know the reporting code. You can also ask for your reporting code at the RDW or you can find it on the registration certificate part 1 or
.
When you apply for a car insurance, the car insurance company has to review the application to be able to decide if they can accept the risk you offer them or not. In 90% of the cases the insurance company immediately accepts the application. But in some situations, they need some extra time to review the application.
If that is the case, you will recieve an e-mail with a
or no coverage at all. Sometimes they can come to the decision to reject the insurance, because the risk is too high. A rejection can have something to do with the following situations:
If you already have a car insurance, most of the time this should not be a problem. Every car insurance can be cancelled monthly after the first year. In your insurance papers you can search for the exact policy on how to cancel your current car insurance.
Our advice
is not to cancel your current car insurance until you are sure that your new car insurance has been accepted by the insurance company. Just to be sure that your car is insured at all times.
If you need any help with the cancellation of your car insurance, you can use our
. Please do not forget that once you have filled in all the information, you still have to send the cancellation form to your current car insurance yourself!
