With more than one car for every two people, it is no surprise that the Netherlands also has a lot of car insurers. Anyone who wants to compare car insurance policies really has to check the price everywhere. There may well be a number of insurers that suit the insured person better, or rather less well. To make finding a car insurer easier, below is an overview of the main car insurers in the Netherlands. This page describes the situation in the Netherlands.
Overview of car insurers in the Netherlands
As a car owner in the Netherlands, you are required to take out car insurance. But with so many different car insurers available, it can be difficult to decide which insurer best suits your needs. In the overview below, you will find some of the most prominent car insurers in the Netherlands and the main features of their insurance policies. Most Dutch insurers offer their website and policy documents in Dutch only.
Aegon
Aegon Nederland is now part of a.s.r.; the Aegon website redirects to a.s.r. (source: a.s.r.). At Aegon, the insured person is in the driving seat of their own car insurance. They choose for themselves which cover they want, and that goes a long way. A courtesy car after a claim? Breakdown assistance or not? Policyholders only pay for what they really want. In the event of a claim, they can in any case rely on Aegon's repair shops. These repair shops have proven their quality and hold quality marks such as the one from Stichting Erkend Duurzaam. In addition, driver and passenger insurance is available, as well as a no-claims bonus protector and legal expenses insurance.
Allianz Direct
Allianz Direct car insurance comes with a standard excess of €0. It is comprehensive car insurance that received 5 stars in a review by MoneyView. Its third-party liability insurance (WA), in turn, is the best according to the Dutch Consumers' Association (Consumentenbond). Although the cover is very extensive, there are also a number of exclusions, as is the case with all insurers. For example, the all-risk insurance does not cover the damage if the locks were not replaced immediately after the keys were stolen. Loose items that do not belong to the car, such as a child seat, are also only insured up to €500. Consult the policy conditions for more information about cover and exclusions.
ANWB
If you are an ANWB member, car insurance from ANWB can be quite attractive because of the generous discount you receive. ANWB also offers various types of cover, such as the Veilig Rijden Autoverzekering (safe driving car insurance), where the discount can be as much as 30%. Both the regular car insurance and the driving style version offer a choice between third-party liability insurance (WA), WA + limited casco and all-risk insurance. The excellent second vehicle scheme is an important plus point. Finally, a number of additional cover options are available, such as:
- Passenger insurance
- Traffic legal expenses cover
- 3-year purchase value guarantee with all-risk insurance
a.s.r.
a.s.r. offers four types of car insurance: in addition to the classic three types, there is also the WA + Casco Inruilplus cover. This cover is less extensive than all-risk insurance and, on top of WA + limited casco, also pays out for other damage such as vandalism. A plus point of a.s.r. car insurance is the so-called no-blame-no-claim scheme, which means that a claim where the insured person is not at fault, such as vandalism, does not affect the premium discount. The basic cover of the four types is shown below.
| Cover | WA | WA + limited casco | WA + Casco Inruilplus | All-risk insurance |
|---|---|---|---|---|
| Damage to others or to other people's belongings | Insured | Insured | Insured | Insured |
| Damage to your own car caused by fire or natural forces | Not insured | Insured | Insured | Insured |
| Window damage | Not insured | Insured | Insured | Insured |
| Theft and break-in damage | Not insured | Insured | Insured | Insured |
| Damage to your own car through your own fault | Not insured | Not insured | Insured | Insured |
| Other damage (e.g. vandalism) | Not insured | Not insured | Insured | Insured |
| Damage to built-in accessories | Not insured | Insured up to €1,000 | Insured up to €1,000 | Insured up to €1,000 |
| Special features | None | None | Only possible when the car is 3 years or older. Payout of 5% above the current value | Possible directly after purchase. New value is insured for 1 year |
| When recommended | Car is more than 10 years old | Car is 4 to 10 years old | Car is 3 to 6 years old | Car is 3 to 6 years old |
Centraal Beheer
Centraal Beheer car insurance is the ideal solution for anyone who wants to put together their own car insurance. In addition to the standard third-party liability (WA) cover, you can, for example, choose add-ons such as window damage, theft damage, fire damage, vandalism and so on. It is a solution for anyone who finds third-party liability insurance (WA) too limited, but the cover of all-risk insurance or WA + limited casco too broad. On top of that, Centraal Beheer car insurance can be extended further with all kinds of additional car insurance, such as:
- Passenger insurance
- Traffic legal expenses insurance
- Breakdown assistance with a choice of RoadGuard (breakdown assistance without a subscription), breakdown assistance in the Netherlands or European breakdown assistance
- No-claims protection
Klaverblad
Klaverblad car insurance offers fairly good cover. The insured amount for the third-party liability (WA) cover is stated on the policy schedule (Klaverblad, policy conditions for car insurance AU24, art. 2.8). By law, this must be at least €6,450,000 per incident for injury to persons and €1,300,000 for damage to property (Decree on amounts for motor vehicle liability insurance (Besluit bedragen aansprakelijkheidsverzekering motorrijtuigen), art. 2). Klaverblad car insurance can be supplemented with passenger damage insurance and traffic legal expenses insurance. You are free to choose your repair shop, but some repair shops do offer advantages. They provide replacement transport and settle everything directly with Klaverblad. A downside is that car insurance with only third-party liability (WA) cover is only available to people who also take out other Klaverblad insurance policies.
Nationale-Nederlanden
Nationale-Nederlanden car insurance is rated well by its customers and has a number of attractive features. For example, the no-claims discount at Nationale-Nederlanden can be as much as 80%. There is also the far-reaching satisfaction guarantee. Anyone who is not satisfied after a claim has been handled, for example because the handling took longer than initially indicated, receives up to four months of car insurance premium back. That is unique and quite an important plus point.
NKC
NKC car insurance is specifically for motorhome owners. Research shows that people who own a motorhome use their car less often for trips. This means the risk is lower and NKC can offer very low premiums. The conditions are also good: the no-claims discount can be as much as 75%, the insurance package includes extensive breakdown assistance abroad as standard, and the new value is insured for two years. How cheap the car insurance is does depend on the number of kilometres per year. For a car with a high list price, security requirements apply to the car.
Promovendum
Highly educated people cause less damage, which is why they enjoy an extra competitive premium at Promovendum. Promovendum car insurance, however, offers a number of other attractive benefits. For example, Promovendum scores very well on customer satisfaction, a free courtesy car is provided, passenger insurance is included as standard and there is a generous new value scheme of three years. An extra plus point is the repair guarantee. This means that the car is always repaired with original parts and that there is a guarantee of 4 to 7 years (only for window damage) on all repairs.
Univé
With Univé car insurance, policyholders can rely on replacement transport in the event of damage. In addition, the no-claims discount can be as much as 80%, while the package discount can be up to 10%. The standard excess is €100 per incident and can be increased to €250 or €500. This allows you to save as much as possible on your car insurance. Finally, Univé car insurance offers quite a lot of options. Possible additional cover includes:
- Passenger insurance
- Traffic legal assistance
- Breakdown assistance
- Your own choice of repair shop
- Extended cover for accessories
ZLM
ZLM car insurance guarantees a competitive premium, fast claims handling and free assistance with recovering damages from the other party (verhaalsbijstand). If the car has a high list price, a number of security requirements apply. If you take out several insurance policies with ZLM, a package discount of 8% applies. ZLM offers five types of cover:
- Third-party liability insurance (WA): insurance for legal liability (liability for damage to others or their belongings)
- Limited casco insurance: damage to your own car caused by joyriding, theft, fire, storm, broken windows, collision with wild animals and hail
- WA + limited casco: a combination of the previous two policies
- Casco insurance: full insurance for your own car, regardless of how the damage was caused
- All-risk insurance: a combination of third-party liability insurance (WA) with casco insurance
Comparing car insurance
If you are looking for new car insurance in the Netherlands, comparing different options can help you make the best choice for your specific needs. With countless car insurers and insurance policies available, finding the right insurance can seem a challenging task. Fortunately, there are various factors you can take into account when comparing car insurance.
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Frequently asked questions about car insurance
When it comes to car insurance, there can be many questions and uncertainties. From the different types of cover to the level of the premium and the excess, there are many factors to take into account when choosing the right car insurance. That is why we have put together these FAQs. These FAQs help answer the most common questions about car insurance.
What makes the ANWB second vehicle scheme so special?
The ANWB second car scheme allows the insured person to insure a second family car at an extra low price. The no-claims discount then also applies to the second family car. The great thing is that this scheme also applies to an extra motorcycle or motorhome. The combinations car + car, car + motorcycle, car + motorhome and motorcycle + car are possible.
Is my car also insured when someone else drives it?
Yes, provided that person has a valid driving licence. Also bear in mind that the claim may affect the no-claims years and the level of the premium. Damage caused by joyriding, on the other hand, is not always covered. Check with the insurer.
What should I do with the green card I receive from my insurer?
The green card (international motor insurance card) is proof of insurance that contains a number of details that are useful in the event of a claim. The green card shows, for example, the car's registration (licence plate), the card number to be filled in on the European Accident Statement and the telephone numbers for breakdown and emergency assistance. It is useful to carry the green card with you, but nowadays it is no longer compulsory. Only in a number of countries where cover may be available, including Montenegro, Turkey, Serbia and Bosnia and Herzegovina, is it still compulsory to carry the green card. Since 30 June 2023, Russia and Belarus are no longer part of the green card system: insurers from the EEA and Switzerland may no longer issue a green card for those countries, so anyone driving there must take out frontier insurance (source: Nationales Versicherungsbüro Schweiz, the Swiss green card bureau).
Can I also insure an imported car?
Yes, but usually not online. In addition, many insurers only allow insurance based on the chassis number under third-party liability (WA) cover. Once the car has been inspected by the Netherlands Vehicle Authority (RDW) and has been given a registration, the cover can of course be extended. In principle, the cover can be extended at any time.
Are the batteries of electric cars also insured?
If the battery of the electric car is included in the list price, that is in principle the case. However, there are also arrangements where the battery of an electric car is leased. In that case, the car insurance will usually not cover damage to the battery. That is why many providers offer special battery lease insurance.