Car insurance Netherlands for expats

For everyone in the Netherlands, including expats who are living and/or working here, a car insurance is mandatory when you own a car. It is not allowed to have and/or drive a car without a car insurance. There are several types of car insurances, so there will be a car insurance fitting your situation.

Discount on the expat car insurance

Every expat in the Netherlands can get a discount on the car insurance at UnitedConsumers. We compare car insurances of many insurance companies and we will offer you the most affordable car insurances. In addition, you also get 5% extra discount because of the UnitedConsumers Collective. You can choose to save up the discount or to withdraw the discount each month. An easy way to save on your fixed expenses and the possibility to spend your money on fun things.

Register directly for an expat car insurance with discount

Requirements for an UnitedConsumers car insurance

  • You have a European Union (EU) driving license.
  • Your car has a Dutch license number.
  • You have to live in the Netherlands.

Differences between car insurances

UnitedConsumers offers different types of car insurances. Depending on your situation and your car you can choose one of these coverages.

WA coverage (third party liability)

The WA insurance is the mandatory and cheapest kind of car insurance. This insurance only covers the damage you caused to another car. Most people with cars older than 10 years choose for this basic insurance.

WA coverage (legal liability) + limited Casco

This insurance covers the damage you caused to another car. Damage caused by yourself on your own car, is not reimbursed. You will get a reimbursement for damage to your own car caused by theft, collision with animals, storm or window damage. This insurance is mostly chosen for 5- 10 year-old cars.

WA coverage (legal liability) + Casco (all risk)

This insurance covers damage to other cars and almost all damage to your own car. This insurance is recommended when you have a new car or when you cannot take the financial risk to replace your car.



WA + limited Casco

WA + Casco

Damage to others

vink vink vink
Fire, combustion, explosion and lightning kruis vink vink
Theft, joyriding kruis vink vink
Window damage kruis vink vink
Collision with animals or birds kruis vink vink
Natural disasters (eg storm) kruis vink vink
Collision, skidding and hitting the water kruis kruis vink
Other external causes kruis kruis vink

Additional car insurances

You can add some additional insurances to your WA coverage, for example:

  • No-claim protection
  • Insurance for your car accessories
  • Damage insurance for occupants
  • Accident occupants insurance 
  • Legal expenses insurance

Own risk

In case of damage, you will pay your own risk first. UnitedConsumers uses an own risk of €135,- for most car insurances. You can increase or decrease your own risk. When you want to increase your own risk, the insurance will cost you less. When you want to decrease your own risk, the insurance will cost you more.

The UnitedConsumers car insurance companies

UnitedConsumers has a collaboration with different qualified car insurance companies. We compare the different insurance companies and select the most suitable insurances for your car.

UnitedConsumers has a collaboration with these car insurance companies:

  • Nationale-Nederlanden
  • London verzekeringen
  • Avéro Achmea
  • Delta Lloyd
  • De Goudse
  • Bovemij
  • Generali
  • Allianz
  • Reaal
  • ASR

If you have any questions about an expat car insurance in the Netherlands, please contact us at or call 040 – 235 05 60. One of our advisors will answer your phone call immediately. You can also contact us for advice about expat car insurances for your car. That is what we do.

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Living and/or working in the Netherlands (Dutch information)