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Car Insurance
A Car Insurance is for every resident in the Netherlands mandatory, when you own a car with a Dutch license plate. It is not allowed to have and/or drive a car without a car insurance in the Netherlands. UnitedConsumers helps you compare a range of car insurances from different brands, so there is always an insurance that suits your situation.
At least 5% discount on your car quotes
Every car owner in the Netherlands can get a discount on their car insurance with UnitedConsumers. We compare car insurances of several companies and offers you the most affordable ones. In addition, you also receive at least 5% discount due to the UnitedConsumers Collective.
Car insurance Netherlands requirements
To make sure you are able to join the consumer collective it is important to meet the following conditions. First make sure you own a European drivers license and a car with a Dutch registered license plate. Besides that it is important that you live in the Netherlands. Are you not sure about your situation? Give our service team a call and they will explain the possibilities.
- You must have a European Union (EU) driving license.
- Your car has a Dutch license number.
- You live in the Netherlands.
Car insurances in the Netherlands
UnitedConsumers offers different types of car insurances. Depending on your situation and your car, you can choose one of these coverages. In the Netherlands a basic WA coverage is mandatory for all drivers. It covers damage caused by you to third parties. With a limited casco or all risk coverage you are able to claim damage done to your own car too.
WA coverage (third party liability)
The WA insurance is the mandatory and cheapest kind of car insurance. This insurance only covers the damage you cause to others. Most people with cars older than 10 years choose for this basic insurance.
WA Beperkt casco coverage (legal liability + limited coverage)
This insurance covers the damage you cause to others. Damage caused by yourself to your own car, is not covered. A limited Casco offers you a coverage for damages caused by theft, collision with animals, storm or window damage. This insurance is mostly chosen for 5- 10 year-old cars.
All Risk coverage (legal liability + all risk coverage)
This insurance covers damage you cause to others and almost all damage to your own car. This insurance is recommended if you have a new car or if you can't take the financial risk to replace your own car.
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Damage |
WA |
WA Limited Casco |
WA Casco (All Risk) |
|---|---|---|---|
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Damage to others |
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| Fire, combustion, explosion and lightning |
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| Theft, joyriding |
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| Window damage |
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| Collision with animals or birds |
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| Natural disasters (eg storm) |
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| Collision, skidding and hitting the water |
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| Other external causes |
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Car insurance: Additional car insurances
You can add some additional insurances to your car insurance. For more information about these additional packages we recommend you to contact our service team.
- No-claim protection
- Insurance for your car accessories
- Vehicle passengers insurance
- Legal protection insurance
Car insurance deductibles
In case of damage, you will pay your deductibles, also known as your 'own risk'. You can choose different kinds of 'own risks'. In most cases, the car insurance will cost less if you choose a higher 'own risk'
If you have any questions about a car insurance in the Netherlands, please contact us at auto@unitedconsumers.com or call 040 – 235 05 60. One of our advisors will answer your questions or reply to your e-mail for personal recommendations.