Car insurance in NL

Start by filling in a short form with some basic information about you and your car. After that, one of the car insurance experts from our partner OpGroen will contact you to discuss the best coverage for your situation.

During this call, you can review coverage options, ask questions, and receive a personalized quote. The consultation is completely free and without obligation.

Yes. In the Netherlands, every car must have at least third-party liability insurance (WA). This insurance covers damage you cause to other people, their vehicle, or property while driving.

Driving without valid insurance is illegal and may result in fines and liability for all damages.

In most cases, you must register your vehicle in Belgium if you reside there. Insurance typically requires Belgian registration and it is not possible to sign up with a foreign license plate.

There are three main coverage levels:

• WA (third-party liability): Covers damage you cause to others.

• WA + Limited Casco: Adds protection against specific risks such as theft, fire, storm damage, window damage, or animal collisions.

• All Risk (Comprehensive): Includes all of the above and also covers damage to your own car, even if the accident was your fault.

The best coverage depends on your car and personal situation.

A common guideline in the Netherlands is:

• Cars older than 10 years → WA coverage

• Cars 6–10 years old → WA + Limited Casco

• Cars 0–6 years old → All Risk coverage

A car insurance expert can help you determine the right option. Book a call through us!

Your insurance coverage starts on the date listed on your policy document. Always check your policy carefully to ensure all details are correct.

Yes. According to the policy conditions, you can cancel your insurance digitally or in writing, and the policy ends on the date you specify.

If your car is damaged or you are involved in an accident, you should report the claim as soon as possible. The insurer will review the circumstances of the damage and determine coverage based on your policy and its conditions.

Yes. Dutch car insurance generally allows you to drive in other European countries. You will receive an international insurance certificate (green card) showing where your coverage applies.