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Car Insurance Netherlands: Car quotes
If you are looking for a car insurance in the Netherlands, you are at the right place! UnitedConsumers offers good ánd cheap car insurances for every resident of the Netherlands who owns a car with a Dutch license plate. UnitedConsumers compares different car insurances from different brands with a standard 5% discount.
- Award-winning customer service
- Save up to € 150,00 every year
- Compare independently
- Reliable intermediary
Compare car insurances
Compare car insurances
in 4 steps!
Step 1:
Fill out your information 
Step 2:
Choose the coverage you want
Step 3:
Optional: choose an additional insurance
Step 4:
Apply for the car insurance
Our customers rate us with an
average of 9,1!
9 
"The name says it all: strong and united! An organisation for it's clients: friendly, just and driven!"
Han
9
"So far my experience with Uniteconsumers is TOP NOTCH. If only I had switched to you sooner."
Magnus
10
"Everything is going as I hoped it should go. I am very satisfied"
L.C. van Schijndel
*reviews are translated from Dutch to English
Car insurance Netherlands requirements
As a car owner in the Netherlands you are obligated to have a car insurance. But to gain a UnitedConsumers car insurance, it is important that you meet certain conditions. The UnitedConsumers car insurance requirements are:
- You must have a European (EU) driving license.
- Your main residence is in the Netherlands.
- Your car has a Dutch license plate.
Car quotes with at least 5% discount
UnitedConsumers helps you compare a range of car insurances from different insurance companies. You will always find a car insurance that suits your personal situation and needs.
When you apply for a car insurance at UnitedConsumers, you will receive a standard 5% discount. This discount helps you save money, which you can use to do or buy something fun!
Car insurances in the Netherlands
UnitedConsumers offers different types of car insurances. Depending on your situation and your car, you can choose one of those different coverages. In the Netherlands a basic WA coverage is mandatory for all drivers. It covers damage caused by you to others. With a limited casco or all risk coverage, you can also claim damages to your own car.
WA coverage
If your car is over 10 years old
If your car is not worth much
Cheap car insurance
Always 5% discount
WA Limited Casco
If your car is between 5 and 10 years old
If your car's value is at least € 1.250,00
Coverage for theft and burglary
Coverage window damage
Always 5% discount
WA Full Casco (All Risk)
Coverage for all damages to your car
If you have an outstanding loan for the car
If your car is new - to 5 years old
If your car has high value
Always 5% discount
Car insurance coverage
The three different car insurances offer different coverages. Do you want to know which one suits you best? Check out the differences in coverage.
|
Type of damage |
WA (cheap car insurance) |
WA Limited Casco |
All Risk coverage |
|---|---|---|---|
|
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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Additional car insurances
You can add additional car insurances to your basic car insurance. At UnitedConsumers you can always choose for the following insurances:
Passengers damage insurance
A passengers damage insurance provides a coverage for both material damages and personal injury to all passengers in the car, including the driver.
Legal insurance
A legal insurance helps you recover the costs of damages caused by the other party. There is no coverage for traffic conflicts and fines.
Need any help with your car insurance?
If you need any help finding the perfect car insurance and/or applying for it, please do not hesitate to contact our car insurance experts! You can contact us by e-mail or by phone.
Frequently asked questions regarding the car insurance
Before you apply for a car insurance, it is important that you have gathered all the data you need. Most of the time, you already know the license plate number. But it is also important to have the 'meldcode' and to know the current market value of the car.
Meldcode
The 'meldcode' 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 'meldcode'. You can also request the code from the RDW, or you can find it on the registration certificate part 1 or registration card.
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 current market value 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.
When you apply for the car insurance, you not only need personal details (address, date of birth etc.), but you also have to know your number of damage free years and your average yearly mileage.
Damage free years
If you do not know how many damage free years you have, you can always ask your current car insurer. The amount of damage free years is also mentioned in the latest insurance papers (policy). You can also request your number of damage free years in the Roy-Data system.
Mileage
The so called 'kilometrage' 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.
When you apply for a car insurance, the insurance company has to review the application to be ably to decide if they can accept the risk you offer them or not. In 90% of the cases the insurance company immediatly accepts the application. But in some situations, they need some extra time to review the application.
If that is the case, you will reveice an e-mail with a temporary coverage 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:
- You have a negative amount of damage-free years
- You have had many damages in the past.
- You have a history of late payments, or currently have an arrears of payment.
- Your car is very sensitive to theft and you do not have the required security
- 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.
If you already have a car insurance, most of the time this should not be a problem. Every car insurance can be canceled 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 cancellation form template. 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!