Car insurance Netherlands
It is mandatory to have at least a WA-coverage if you own a car in the Netherlands. We compare over 20 Dutch car insurance companies.
Cheapest car insurance in December 2024
Below, you’ll find the most affordable car insurance options available in our comparison tool. Compare different car insurance policies to find the cheapest option for your situation.
| Insurer | Montly premium | Basic coverage | Deductable |
|---|---|---|---|
 FBTO | €28,86 | WA (third-party liability) | €0,00 |
 Ohra | €34,36 | WA (third-party liability) | €0,00 |
 ING | €35,79 | WA (third-party liability) | €0,00 |
 | €31,65 | WA beperkt casco (third-party liability + limited cover) | €0,00 |
| €31,98 | WA beperkt casco (third-party liability + limited cover) | €0,00 |
 | €35,08 | WA beperkt casco (third-party liability + limited cover) | €150,00 |
| €47,63 | All risk (third-party liability + comprehensive cover) | €150,00 |
| €51,78 | All risk (third-party liability + comprehensive cover) | €0,00 |
 Allianz Direct | €52,71 | All risk (third-party liability + comprehensive cover) | €0,00 |
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Mandatory to have car insurance
Owning a car in the Netherlands means you’re legally required to have car insurance. At Overstappen.nl, you can compare the policies from over 17 Dutch car insurers to find the best deal. Our user-friendly comparison tool helps you to quickly and easily explore your options.
Whether you’re insuring a new vehicle or looking for a better deal compared to your current provider’s renewal offer, we make finding affordable car insurance simple.
What do you need for car insurance in The Netherlands?
To take out car insurance in the Netherlands, you’ll need the following:
- You must live in the Netherlands.
- Your license must be recognized within the European Union.
- Your car must be registered with a Dutch license number.
See how much you can save on your car insurance
- Compare by price and quality
- 100% independent
- Save an average of €290 a year
Overview car insurance coverages
In the Netherlands, it is mandatory for all cars to have at least third-party liability insurance. This insurance (called WA-verzekering in Dutch) covers damages inflicted with your own car to other people and their property. More comprehensive coverages (called WA beperkt casco and all risk in Dutch) are also an option.
The differences are explained below:
WA (third-party liability)
- Damage to others
- Theft or burglary
- Window damage
- Storm and fire damage
- Damage caused by your own actions
- Vandalism
WA beperkt casco (third-party liability + limited cover)
- Damage to others
- Theft or burglary
- Window damage
- Storm and fire damage
- Damage caused by your own actions
- Vandalism
All risk (third-party liability + comprehensive cover)
- Damage to others
- Theft or burglary
- Window damage
- Stormschade en brandschade
- Damage caused by your own actions
- Vandalism
Add-ons
Looking to expand your car insurance? Many insurers offer add-ons to enhance your protection. Here are some popular options:
Roadside assistance
Roadside assistance ensures you get help quickly. You can choose coverage for the Netherlands or across Europe, depending on your travel plans.
No-claim protection
Want to file a claim without seeing your premium go up? No-claim protection allows you to make one claim per year without affecting your discount.
Personal accident insurance
If you or your passengers suffer permanent disability or pass away due to an accident, this coverage pays out a fixed amount to support you or your loved ones.
Damage insurance for occupants
This coverage takes care of personal injuries, damaged belongings, or loss of income for you and your passengers after an accident.
Legal expenses insurance
Facing a legal dispute related to traffic? Legal assistance provides support for issues like recovering damages or dealing with liability claims.
Personal belongings coverage
Have you added extras to your car, such as a tow bar, alloy wheels, or a premium sound system? Accessory coverage ensures these items are included in your insurance policy.
Special coverage options
In addition to standard add-ons, you can choose from several special coverage options tailored to your needs. Here’s how they can benefit you:
How to compare car insurance in 5 steps
Car insurers offer a variety of policies with different conditions, coverages, and premiums. By comparing your options, you can find a policy that fits your needs and budget.
Follow this step-by-step guide to find the right car insurance in just a few minutes. The comparison tool will display the cheapest option for your situation at the top.
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Step 1
Enter your details
Start by providing your license plate, postal code, and date of birth. These details help us match you with policies that suit your car and personal circumstances.
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Step 2
Add your no-claim years
Enter the number of no-claim years you’ve earned. If you’re unsure, check with your current insurer, in your policy, or through Roy-data.
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Step 3
Choose the right coverage
Select the coverage level that works best for you: WA (third-party), WA beperkt casco, or all risk insurance. Each offers a different level of protection, so choose based on your car’s value and your driving habits.
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Step 4
Estimate your annual mileage
Enter the number of kilometers you drive in a year. It doesn’t have to be exact; a well-reasoned estimate will do.
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Step 5
Compare and sign up instantly
The comparison tool now shows you the best car insurance options. Compare premiums, policy details, and coverage, and then select the one that suits you best. You can finalize your choice and sign up directly through the tool.
How to calculate your annual mileage
“Not sure how many kilometers you drive in a year? You can calculate this by multiplying the number of kilometers you typically drive in a week by 52. Be sure to add any extra trips to the total amount, like holidays or weekend getaways, to get a more accurate estimate.”
Expert car insurance
Frequently asked questions
