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Car Insurance Netherlands

For every resident in the Netherlands a car insurance is 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. UnitedConsumers, in short UC, 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 insurance

Every car owner in the Netherlands can get a discount on their car insurance with UnitedConsumers. UC compares car insurances of several companies and offers you the most affordable ones. In addition, you also receive at least five percent discount due to the UnitedConsumers Collective.

You can choose to save your discount in your personal online acount. Of course you are free to withdraw the saved amount at all times. An easy way to save on your monthly fixed expenses and the possibility to spend your money on fun things. Every year more and more people participate in our consumer collective. Besides car insurances, UnitedConsumers also offers discounts on:

Register directly for a car insurance with discount

Requirements for a UnitedConsumers car insurance

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

Differences between Dutch car insurances

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 and covers damage caused to third parties. With a limited casco or all risk coverage you are able to claim damage 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 coverage (legal liability) + limited Casco

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.

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

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.



WA + limited Casco

WA + Casco

Damage to others

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

Additional car insurances

You can add some additional insurances to your car insurance. For more information about these additional packages we recommend to contact our service team. 

  • No-claim protection
  • Insurance for your car accessories
  • Vehicle passengers insurance
  • Legal protection insurance


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'

The UnitedConsumers car insurance companies

UnitedConsumers works together with different qualified car insurance companies. UC compares the different insurance companies and selects the most suitable insurances for your car. UnitedConsumers has a collaboration with the following car insurance companies:

  • Nationale-Nederlanden
  • Avéro Achmea
  • De Goudse
  • Bovemij
  • Allianz
  • Reaal
  • ASR

If you have any questions about a car insurance in the Netherlands, please contact us at or call 040 – 235 05 60. One of our advisors will answer your questions or reply to your e-mail for personal recommendations.

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