What is the best Dutch car insurance in the Netherlands?

Top 5 Dutch Car Insurance

Compare the most popular Dutch car insurance in the Netherlands and choose the Care Insurance that fits your car and yourself!

This article is published 24 juni 2021. Last Updated on 18 februari 2024.

In the Netherlands, having basic car insurance is a legal requirement for all car owners. If you’re driving in the country, it’s essential to understand the obligations and challenges you may face as a foreign driver when it comes to obtaining affordable car insurance. Learn more about the factors that influence insurance pricing and how to navigate this process, and don’t forget to consult the Dutch Government website for further details.

Top 5 Dutch Car Insurances

Car InsurancePrice (Starting from)
FBTO€34,50 / Per Month
HEMA€37,- / Per Month
Centraal Beheer€31,25 / Per Month
Unive€35,- / Per Month
Aegon€42,- / Per Month

Compare Dutch Car Insurances

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Influencing the cost of your Car Insurance in the Netherlands:

Several factors influence the cost of car insurance in the Netherlands. Insurance providers consider these factors when determining the premium you’ll pay. Understanding these elements can help you better comprehend the pricing structure and make informed decisions regarding your car insurance. Here are some key factors that influence the cost:

  1. Coverage Type: The type of coverage you choose significantly impacts the premium. Comprehensive insurance, which offers broader protection, tends to be more expensive than third-party liability insurance, which covers damages to others but not your own vehicle.
  2. Vehicle Value: The value of your car affects the insurance premium. Generally, more expensive vehicles require higher coverage limits, resulting in higher premiums. The make, model, age, and power of your car also play a role in determining the cost.
  3. Driver’s Age and Experience: Young and inexperienced drivers often face higher insurance costs due to higher perceived risk. Insurance providers consider age, years of driving experience, and any previous claims or driving offenses when calculating premiums.
  4. Location: Insurance premiums can vary depending on where you live. Areas with higher population densities or increased incidents of accidents or theft may have higher premiums compared to regions with lower risk factors.
  5. Usage and Mileage: How you use your car and the estimated annual mileage can influence your premium. If you use your vehicle for business purposes or have a higher mileage, the insurance cost may be higher.
  6. No-Claims Discount: Insurance providers offer no-claims discounts as an incentive for safe driving. The longer you go without making a claim, the greater the discount you may be eligible for, resulting in reduced premiums.
  7. Deductible Amount: The deductible is the amount you agree to pay out of pocket in case of a claim. Opting for a higher deductible can lower your premium, but it also means you’ll have to contribute more if you need to make a claim.
  8. Additional Coverage and Add-ons: Adding extra coverage options, such as roadside assistance, legal protection, or coverage for accessories, can increase the premium.
  9. Insurance Provider: Different insurance companies have their pricing structures, risk assessments, and discount programs. Comparing quotes from multiple insurers allows you to find the best coverage at a competitive price.

By considering these factors, you can gain insight into what influences the cost of car insurance in the Netherlands. When shopping for car insurance, it’s advisable to request quotes from various providers and assess the coverage and premiums they offer to find the most suitable option for your needs. You can read more about the WA verzekering on the Government website.

What is the cheapest car insurance in the Netherlands?

What exactly is the cheapest car insurance in the Netherlands is unknown because it depends on too many factors. In any case, it is clear that this is insurance with third-party liability coverage (WA-Verzekering), the minimum coverage that is mandatory in the Netherlands.

This insurance provides cover for damage that you cause to others with your car. Because this cheapest cover is mandatory, all road users in the Netherlands are protected against damage after a collision.

The lowest premium will probably be paid by a driver in the north of the Netherlands, because the premiums are the cheapest there on average. This driver will not drive much, own an older car, have 20+ claim-free years and third-party liability coverage.

The three (main) different car insurances in the Netherlands:

Liability Coverage
Limited hull coverage
Full hull coverage

If desired, this cover can be expanded with additional insurance, such as passenger or legal assistance cover.

Liability Coverage (also known as WA-dekking)

Liability coverage is legally required by the WAM (Dutch Government organization). The WAM does not only require liability coverage, but also determines which minimum requirements the insurance must meet.

The WAM sets minimum requirements that a car insurance policy must meet. The main requirements are:

Insured amount: at least €907,560. If the car is located in a country with a higher minimum, the insurance must offer cover for that amount. This minimum insured amount has been increased to 1 million euros per victim, but a maximum of 5 million euros per event and a minimum of 1 million euros for material damage. The insured sum in the event of personal injury at least 1 million euros per victim or 5 million per event. It also covers Injury and Property Damage within Europe.

The insurance does not have to provide cover for:
Damage caused with a stolen car;
Damage to transported goods,
Damage to the driver;

Limited hull coverage (also known as beperkt cascodekking)

Damage caused by a storm is covered on the limited hull cover. The limited hull cover can be taken out in addition to the third-party liability cover. Roughly speaking, it can be stated that the limited hull cover compensates damage to your own car insofar as this was not caused by a collision, collision, getting off the road, etc.

Full hull coverage (also known as volledige dekking)

This package often is the most expensive and covers most all damages that are made on your car and covers the same things as mentioned above. You can also be covered when you’re causing a collision or have one-sided damage to your own car (hitting a tree for example).