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Find your cheap car insurance

Looking for a cheap car insurance in the Netherlands? At UnitedConsumers, you can compare car insurances in the Netherlands from different car insurance companies within 2 minutes. Plus, you get a minimum discount of 5%.

You can save up to € 200,00 per year on your car insurance in the Netherlands! Don't you want that too? Compare your car insurance and find out how much you can save this year.

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Compare your cheap car insurance in 5 steps

Do you want to compare car insurances from different car insurance companies? We'll help you! In 5 easy and simple steps you can compare car insurances yourself:

gegevens autoverzekering berekenen

Step 1: Fill in your personal information.

dekking autoverzekering berekenen

Step 2: Choose your coverage.

bereken autoverzekering en bespaar

Step 3: Compare your car insurance.

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Step 4: Choose an additional coverage optionally.

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Step 5: Apply for the car insurance and save up to € 200,00 a year!

Car insurance Netherlands requirements

As a car owner in the Netherlands you are obligated to have at least a third-party liability car insurance (WA car insurance). To apply for a car insurance, it is important that you meet certain conditions, such as:

  • You must have a European (EU) driving license.
  • Your main residence is in the Netherlands.
  • Your car has a Dutch license plate.

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advies Advice from our expert

"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 - Expert in car insurances

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Coverage car insurances in the Netherlands

It is mandatory in the Netherlands for all cars to have a Dutch car insurance with a third-party liability coverage. 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.

  Cheap car insurance Extensive car insurance Complete car insurance
Type of damage WA coverage WA beperkt casco WA casco (all risk)
Damage to others
Fire, combustion, explosion and lightning
Theft and joyriding
Window damage
Collision with animals or birds
Natural disasters (e.g. storm)
Collision, skidding and hitting the water
Other external causes
  Starting from € 12,- per month
> Choose
Starting from € 14,- per month
> Choose
Starting from € 16,- per month
> Choose

Cheap car insurance with at least 5% off

  • Free Pluspackage.
  • Save up to € 200,00 per year.
  • Compare the best and cheapest car insurances.

Compare car insurance Netherlands


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Additional car insurance

Did you know you can add an additional car insurance to your basic car insurance in the Netherlands? At UnitedConsumers, you can always choose the following cheap additional car insurances:

  • No claim protection: When choosing a no claim protection car insurance you insure yourself against premium increases after damages.
  • Accessories insurance: With an accessories car insurance you are insured for all accessories that were later added to your car.
  • Personal accident insurance: The personal accident car insurance provides coverage in the event of personal injury caused by accidents. 
  • Legal expenses insurance: legal expenses car insurance helps you recover the costs of damages caused by the other party. There is no coverage for traffic conflicts and fines. 
  • Damage insurance for occupants: passengers damage car insurance provides coverage for both material damages and personal injury to all passengers in the car, including the driver.

Frequently Asked Questions regarding the car insurance Netherlands

When you apply for the car insurance, you need some personal information. Such as:

  • Your date of birth.
  • Your Dutch address.
  • Your claim-free years.
  • Your Dutch bank account details.

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.

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 damage free years (claim-free years) 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 Roy-Data system. 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 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.


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 ('meldcode' 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 registration card.

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 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 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 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!

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.


Do you have a question or do you need some advice about car insurances in the Netherlands?

We are happy to help you!