Car insurance in the Netherlands

Every Dutch resident who owns a car is obliged to take out a car insurance. The minimum coverage is third party liability car insurance. The other two other car insurance options are WA Plus or All Risks coverage. If you have a relatively new car or an expensive car model it would make sense to go for the last 2 options. These insurance offer more exhaustive coverage.
There are some legal issues to keep in mind before taking out a car insurance. For example; only a vehicle with a Dutch license number can be insured. Therefore, you need to live permanently in the Netherlands. Moreover, you will need a European driving license. If you have obtained this driver’s license within the EU, it shouldn’t be a problem to get your car insured.

Sorts of coverage

There are different sorts of insurances that all offer different coverage. Not everybody needs to have the same insurance. We explained below the different sorts of insurances, and what they cover.

Third party liability insurance

Third party liability means: WA – Wettelijke Aansprakelijkheid in Dutch. Third party liability only covers the damage that you inflict with your car to other people and their property. This means that it will provide coverage if you have an at-fault accident that could injures or kills someone, or damages someone else’s property (house, garden, pool, fence etc.)

WA Plus insurance

WA plus includes third party liability insurance, but also includes coverage for damage to your own car. In general, damages are covered by WA Plus resulting from: vandalism, theft, storm, fire, and damage resulting for a collision with animals or birds.

All Risk insurance

All risk car insurance is a full coverage insurance, which provides from all insurances the most exhaustive coverage. It covers the same aspects that WA plus covers, but it also covers damages to your car even if it is by your own fault. It covers the damage even if you get in in an accident that was deemed your fault or when fault can’t be determined.

The best car insurance in the Netherlands

So, what is the best car insurance in the Netherlands? That is a question that is hard to answer, since not everybody needs the same car insurance. If you have an older car- third party liability should be sufficient. If you have a new car and you drive often trough the small streets of Amsterdam, then you should consider starting a WA Plus or All risk insurance. You pay a bit more, but it will give you peace of mind.
One of the best car insurance companies is Centraal Beheer. This is an insurer that is well known in the Netherlands and is one of the oldest players on the market. The company was founded in 1909 and delivers to this day an excellent service. All you have to do is fill in your number plate and fill in the amount of years without damaging the car. Centraal Beheer will automatically calculate your monthly fee for your car insurance. You can take out your car insurance easily online – you don’t even have to get up out of your chair.