Anyone who wants to take out third-party liability insurance (WA) will notice that the Netherlands offers a great deal of choice. Many third-party liability insurers are active, all with their own premiums, policies and conditions. With this kind of insurance, the policyholder is insured at a minimum for damage to others caused by the policyholder's vehicle. By choosing more extensive cover, you can also insure damage to your own vehicle. This page describes the situation in the Netherlands.
Read also: Well prepared on the road: essentials for every driver.
The different third-party liability insurers
As the proud owner of a car, you are required to take out third-party liability insurance. This insurance covers you for damage you cause to others with your car. But who is the best insurer to take out third-party liability insurance with? In the Netherlands, there are various insurers that offer third-party liability insurance. To give you a hand, we have made an overview in this article of these third-party liability insurers and what they have to offer you. That makes it easier for you to make a choice and take to the road with peace of mind. Most Dutch insurers offer their website and policy documents in Dutch only.
ABN AMRO
Car insurer ABN AMRO offers a wide range of additional insurance, such as passenger insurance (inzittendenverzekering) and legal expenses insurance. Another advantage of ABN AMRO's car insurance is Direct Claims Handling (Directe Schadeafhandeling, DSA), which means damage is dealt with quickly and you receive compensation quickly. It is important to know that, although having an alarm system is not compulsory, it can affect the excess for damage caused by theft. This of course only applies if burglary or theft damage is included in the policy. ABN AMRO also offers a discount when you take out a second car insurance policy. Online you can easily calculate the premium and see what your car insurance will cost.
Aegon (now a.s.r.)
Aegon Nederland has become part of a.s.r. The Aegon website redirects visitors to a.s.r., where customers with a former Aegon product can find information about their insurance and the service at a.s.r. (source: a.s.r., page 'Hallo klant van Aegon'). Car insurance is therefore no longer taken out with Aegon, but with a.s.r. In the event of damage, a.s.r. offers the option, where possible, of having the damage repaired sustainably instead of replaced.
Allianz Direct
Allianz Direct offers good support to its customers. For example, they assist you with a personal claims coach who keeps you informed of the status of your claim. If your car is repaired by an Allianz Direct repairer, you are always entitled to replacement transport. In addition, Allianz Direct always helps with towing your car. This insurer also offers the option of extending your car insurance with additional cover. Finally, Allianz Direct makes switching insurer easy and quick.
Baloise
Baloise is a reliable insurer with a good reputation in the Netherlands. With Baloise you can enjoy a no-claims discount (bonus-malus discount) of up to 90%. It is important to know that Baloise does not pay out if you drive without a driving licence. With Baloise it is easy to arrange your car insurance online quickly. You can also check online how much you can save on your car insurance. If you have questions, Baloise's experts are ready to help you and give advice.
Centraal Beheer
‘Even Apeldoorn bellen!’ ('Just call Apeldoorn!') Who doesn't know the slogan? It has been the motto of Centraal Beheer (part of Achmea) for many years. It is one of the largest insurers in the country. With this insurer you can take out third-party liability insurance, limited casco insurance (also "third party, fire and theft plus") or fully comprehensive (all-risk) insurance. Centraal Beheer also gives motorists the option of putting together their own policy, for example by adding passenger insurance, breakdown assistance in the Netherlands or breakdown assistance abroad to the car insurance. The no-claims protector is very interesting. With it, you can make one claim a year without it affecting your discount. You do, however, drop back in no-claims years. The insurer can also be reached through an app, where you chat directly with a customer service employee.
FBTO
FBTO is one of the old giants of the insurance world. With this insurer you can take out third-party liability insurance, limited casco insurance or fully comprehensive insurance. At FBTO you can extend your car insurance with eight modules, including passenger insurance. These modules can be activated and deactivated online. If you prefer to go to your own garage, you can, for example, add the option Eigen keuze herstelbedrijf (own choice of repairer) to the policy. Otherwise, you can go to repairers that FBTO works with.
InShared
We know InShared from the slogan ‘We All Benefit’. InShared was set up in 2009 and is a trade name of Achmea Schadeverzekeringen N.V., part of the Achmea group (source: InShared). If few claims are submitted, everyone benefits. There is then room for extra rewards! This insurer offers three kinds of car insurance: besides classic third-party liability insurance, there is also limited casco and all-risk cover. With these policies you enjoy cover in all countries listed on the green card (international motor insurance card).
Interpolis
Interpolis is a well-known and reliable insurer that also offers third-party liability insurance. The insurer is known for its good service and support. For example, its emergency centre is always available and claims are handled expertly. At Interpolis you can also extend the cover of your car insurance, for example by adding a no-claims guarantee to the car insurance. In addition, you get a discount on your premium as you build up no-claims years. You can also get an extra discount if you take out several policies (the so-called all-in-one policy, alles-in-eenpolis).
Nationale-Nederlanden
Nationale-Nederlanden is one of the insurers that offer car insurance in the Netherlands. With this insurer you can count on 24/7 help with damage. You can also benefit from a discount on the second and any further car insurance policies in the household. At Nationale-Nederlanden you can chat with employees, and clear information is available about what is and is not covered. Clear discount tables for no-claims years are also available. Car insurance from Nationale-Nederlanden can be extended with extra modules, and you can take out the policy online or through an independent adviser, as you prefer.
OHRA
OHRA has been a well-known player in the insurance market for years. This car insurance provider gives you a choice of three types of cover: third-party liability, limited casco and fully comprehensive. At OHRA, limited casco insurance is also called ‘WA Plus’. The insurer stands out by offering a high no-claims discount. With fourteen no-claims years, this rises to as much as 82 percent. As a policyholder, you can count on a nice no-claims discount after just three no-claims years.
Promovendum
Promovendum is a car insurer that focuses on highly educated people. When you switch, Promovendum lowers your current premium by 20%. You can calculate the premium online, and taking out the policy is quick and easy. The policy is intended for people aged 22 and over who are highly educated according to Promovendum: anyone with a diploma from a research university (wo), a university of applied sciences (hbo, bachelor's or associate degree), senior secondary vocational education at level 4 (mbo 4), pre-university education (vwo) or senior general secondary education (havo) (source: Promovendum). In this way, Promovendum offers car insurance that is specifically tailored to the target group of highly educated people.
Univé
As standard, Univé offers three different policies: third-party liability insurance, limited casco insurance and fully comprehensive insurance. The insurer offers the option of receiving a no-claims discount. The casco insurance always comes with one year of new value cover (nieuwwaarderegeling). This also applies to WA+ Beperkt Casco. Additional car insurance can be added to the policy, such as passenger insurance and insurance for accessories. The Veilig op Weg (Safe on the Road) option is free and rewards safe driving behaviour with a discount on the car insurance premium.
WitGeld
WitGeld is known as an online insurer that mainly offers third-party liability insurance and other liability insurance. This insurer offers the option of taking out third-party liability insurance, limited casco insurance or fully comprehensive insurance (all-risk insurance). Various additional types of cover are available, such as cover for damage to passengers and legal expenses cover.
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Frequently asked questions about third-party liability insurers in the Netherlands
If you are looking for third-party liability insurance, it can be difficult to make the right choice. There are many insurers that offer this insurance, and the differences between providers are not always clear. In this FAQ we answer a number of frequently asked questions about insurers and their third-party liability insurance.
Which insurers offer third-party liability insurance?
There are many insurers that offer third-party liability insurance, such as Allianz Direct, Baloise, Interpolis, Promovendum, Nationale-Nederlanden and a.s.r. New insurers regularly appear, and other insurers are taken over and disappear.
Can I take out third-party liability insurance online?
Yes, many insurers offer the option of taking out third-party liability insurance online. There are only a handful of insurers left that work exclusively through intermediaries and do not offer the option of taking out car insurance online.
Which is the cheapest third-party liability insurer?
This differs per person and situation, because the premium depends on factors such as age, postcode, type of car and no-claims years. It is therefore important to request a quote from several insurers and compare them carefully. Only then can you see which insurer offers the best price for your specific situation.
Which is the best third-party liability insurer?
There is no single best third-party liability insurer that is the best choice for everyone. The best third-party liability insurer depends on your personal wishes and needs. It is therefore sensible to compare different insurers and see which third-party liability insurer best suits your situation.
Which third-party liability insurers offer a switching service?
Many insurers now offer a switching service. Some examples of third-party liability insurers that offer a switching service: Allianz Direct, Centraal Beheer, FBTO, InShared, OHRA and Univé.