Car Insurance in the Netherlands: A Complete Guide
Car insurance is a legal requirement for anyone who owns or drives a vehicle in the Netherlands. Whether you're a Dutch citizen, an expat, or an international student planning to stay for a while, understanding how car insurance works in the Netherlands is essential. In this comprehensive guide, we’ll walk you through the different types of car insurance, the legal obligations, how to choose the best provider, and what to expect in terms of coverage and cost.
Is Car Insurance Mandatory in the Netherlands?
Yes. Under Dutch law, third-party liability insurance (WA-verzekering) is mandatory for all vehicles. This insurance covers any damage you cause to other people, vehicles, or property while driving. Without this basic insurance, you are not allowed to drive on public roads.
Driving without car insurance is a serious offense in the Netherlands and can result in heavy fines, vehicle confiscation, or legal consequences. Even if your car is parked and not in use, it must be insured unless it has been officially deregistered and stored off public roads.
Types of Car Insurance in the Netherlands
There are three main types of car insurance available in the Netherlands. Each one offers a different level of protection and is suitable for different needs and budgets.
1. WA (Wettelijke Aansprakelijkheid) – Third-Party Liability Insurance
This is the minimum legal requirement. It covers:
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Damage to other people’s vehicles
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Damage to public or private property
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Injury caused to other people in an accident
It does not cover damage to your own vehicle or medical costs for yourself.
Who should choose this?
WA insurance is best for older cars (more than 10 years old) where the value of the car is relatively low.
2. WA+ (WA Beperkt Casco) – Third-Party + Limited Coverage
This mid-level insurance includes everything in the basic WA coverage, plus:
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Fire damage
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Theft or attempted theft
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Storm and natural disasters
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Broken windows or windshield damage
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Collision with animals
It still doesn’t cover accidents that are your fault, but it adds extra protection for common risks.
Who should choose this?
Ideal for vehicles aged between 5–10 years, or cars with moderate value that you'd like to protect from common damage.
3. Allrisk (Volledig Casco) – Fully Comprehensive Coverage
This is the most extensive car insurance and includes everything in WA and WA+ plus:
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Accidental damage to your own car (even if it’s your fault)
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Vandalism
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Damage caused by an unknown third party
Who should choose this?
Best for new or expensive cars, especially if you're still paying a loan or lease.
How Much Does Car Insurance Cost in the Netherlands?
Car insurance premiums in the Netherlands depend on several factors:
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Driver’s age and experience: Young or new drivers pay more.
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Vehicle make, model, and age: Expensive or fast cars usually cost more to insure.
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Location: Urban areas often have higher premiums due to higher risks.
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No-claim bonus: The more years you drive without making a claim, the higher your discount.
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Coverage type: All-risk is more expensive than WA or WA+.
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Annual mileage: The more you drive, the higher the risk.
On average:
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WA: €30–€70/month
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WA+: €50–€100/month
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Allrisk: €80–€150/month
These are estimates. For an exact quote, you must provide your personal details to an insurance company or comparison site.
No-Claim Discount (Bonus-Malus System)
The Dutch car insurance system rewards safe drivers through the bonus-malus system. The more claim-free years you accumulate, the higher your no-claim discount, which can go up to 75% in some cases.
If you make a claim, your discount may drop, and your premium will increase. Always consider whether it’s worth making a claim or paying for minor damage out-of-pocket to keep your bonus level.
What to Do After a Car Accident in the Netherlands
If you're involved in an accident:
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Ensure safety – Check for injuries and call emergency services if necessary (112).
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Fill out the claim form – Known as the European Accident Statement (Schadeformulier), both drivers must complete and sign this form.
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Take photos – Document the damage and accident scene.
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Report to your insurer – Usually within 5 days.
Your insurer will investigate and either arrange for repairs or compensate you based on your policy type.
Car Insurance for Expats and Foreigners
As a foreigner living in the Netherlands, you are required to insure your car locally if you:
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Have registered your car with a Dutch license plate
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Are residing in the Netherlands for longer than 6 months
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Plan to use your vehicle regularly
Most major insurers offer services in English and have expat-friendly options. You will need:
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A BSN number (Citizen Service Number)
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Dutch address
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Driving license (EU or international)
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Car registration details
If you're bringing your foreign car to the Netherlands, you must register it and switch to a Dutch plate within a few months, depending on your residency status.
Top Car Insurance Providers in the Netherlands
There are many reputable car insurance providers. Here are some of the most popular:
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Centraal Beheer
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ANWB
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Allianz Direct
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InShared
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Univé
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FBTO
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Hema Verzekeringen
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Ditzo
You can use comparison websites like Independer.nl, Pricewise.nl, or Vergelijk.nl to find the best deal based on your needs.
Tips for Choosing the Right Car Insurance
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Compare quotes: Don’t settle for the first offer. Use comparison sites.
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Adjust your deductible: A higher deductible means lower monthly premiums.
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Check included extras: Like roadside assistance or replacement car service.
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Look at customer reviews: Good service matters, especially during a claim.
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Bundle policies: Some insurers offer discounts if you bundle with home or health insurance.
Final Thoughts
Car insurance in the Netherlands is not just a legal formality — it's a necessary protection for yourself and others on the road. Whether you're looking for basic third-party coverage or full protection for your new vehicle, understanding the system helps you make smart, cost-effective decisions.
Take the time to compare offers, learn about the bonus-malus system, and choose a reputable provider that matches your needs. With the right insurance, you can drive with peace of mind knowing you're covered no matter what the Dutch roads bring.