Car Insurance Netherlands

Top 5 car insurances for Holland
FBTO Car Insurance
Premium From* €17.95
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1
Centraal Beheer Car Insurance
Premium From* €21.76
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2
Allianz Direct Car Insurance
Premium From* €26.87
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3
InShared Car Insurance
Premium From* €23.15
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4
Unive Car Insurance
Premium From* €23.37
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5

* Calculated for third-party liability (TPL) with prices from November 2025 – VW Polo from 2012, postal code 8932DP, born on 01-01-1980, 10,000 KM per year, and 10 claim-free years.

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  • Michael van SlotenWritten by Michael van Sloten
  •   Last edited 03-11-2025
  •   Average reading time: 15 minutes.

Car Insurance

Auto-Verzekering.net

Looking for good and affordable car insurance in the Netherlands? We understand that with the many providers, finding the best car insurance can be quite a challenge. Auto-Verzekering.net has listed the most well-known and top-rated car insurance providers, making car insurance comparison much easier. The car insurance policies are rated based on price, and we also display the average consumer rating, which is compiled from various other comparison websites. Of course, we also provide detailed reviews based on our own findings for each car insurance policy. This makes choosing your best car insurance much easier!

Check the table with the cheapest car insurance policies for Holland above and click on the insurer to calculate your premium. We cannot calculate your car insurance premium for you; this must be done directly with the insurer. For more information about the relevant car insurance, click on the "more info" button. Please note that this is only the basic third-party liability (TPL) premium without additional coverage, and that the cheapest car insurance is not always the best choice.


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The Car Insurance

Dutch and Belgian citizens (including expats, of course) who own a car are legally required to take out car insurance at all times. Whether you’ve just obtained your driver’s license or are an experienced driver with decades of driving experience: car insurance is mandatory for every car owner. There is a wide range of car insurance options available, offering something for everyone. In general, three types of car insurance are distinguished: third-party liability (WA), WA+ or Limited Comprehensive, and All Risk insurance. On this website, you’ll find more information about these car insurance types, and we will briefly discuss the pros and cons of each type. We’ll also provide more information about the so-called no-claim discount, so you’ll know exactly how it works if your car is unfortunately damaged.

Please note! It does not matter whether you speak Dutch or not — you are still required to have insurance. Be aware that many insurers do not provide English-language policies, so arranging a translation is useful to understand what your insurance covers.

3 Types of Car Insurance

Third-Party Liability Insurance
A Third-Party Liability (WA) Insurance

The Third-Party Liability (WA) car insurance covers the damage for which the car owner is legally liable, doing exactly what you expect from an insurance policy. This type of insurance is legally required for every car owner and forms the basic coverage. If you hit another car and damage their vehicle, you’re covered. But if your own car is damaged, those costs are at your own expense. Even though many insurers offer the same basic WA coverage, cheaper car insurance policies may differ. The very cheapest car insurance often comes with a high deductible and minimal coverage.

WA Limited Comprehensive Insurance
WA + Limited Comprehensive

When you extend your WA insurance with limited comprehensive coverage, damage to your own car is also covered, provided certain conditions are met. This coverage applies to damage caused by theft, weather conditions, or fire, but not to damage you cause yourself. If you cause the damage yourself, the costs remain yours, and a deductible applies. Whether this insurance suits you best depends on various factors. The WA + Limited Comprehensive car insurance offers broader coverage than WA alone and can be expanded with additional options. It is an affordable choice between WA and All Risk, also known as limited comprehensive insurance.

All Risk Insurance
An All Risk Insurance

A fully comprehensive policy is also known as All Risk car insurance. In most cases, damage to your own car is fully covered. This is by far the most extensive way to insure your car, covering you for almost any accident (whether caused by you or someone else). This is not a cheap car insurance, but it comes with a comprehensive package that can be expanded with additional coverages such as roadside assistance or passenger coverage. Always check the policy terms carefully, as these can vary significantly between different All Risk car insurance policies.

Expat Quickstart: Get Insured Today

New in the Netherlands and want car insurance fast? Prepare a Dutch address (BRP or correspondence), your car’s Dutch licence plate (or proof you’re importing), your driver’s licence, a SEPA IBAN for payment, and—if you’ve driven claim-free—your no-claims letter. Choose your start date and time precisely; cover can begin the same day once accepted.

Transferring Your No-Claims From Abroad

Ask your previous insurer for a signed claims-free statement in English or Dutch (policy number, insured period, any claims with dates/amounts—or “none”). Upload it during application and confirm how many years are recognised and for how long they remain valid. If your discount isn’t applied, request a reassessment before binding.

Foreign Plates, Importing & Timing

Most NL motor policies require Dutch plates. Until your car is registered in NL, keep cover with your current foreign insurer or use specialist interim cover. The moment your car gets Dutch plates and is used on public roads, NL insurance becomes mandatory—arrange the policy to start immediately after registration.

Payment & Documents (Expat-Specific)

Many insurers accept SEPA IBANs from other EU countries for direct debit; if not, annual payment can be a workaround. Keep ready: ID and Dutch address proof, driving licence details (number/issue date), registration document (kenteken), any finance/lease contract, anti-theft certification if applicable, and a brief claims history (dates, liability, amounts).

Common Pitfalls to Avoid

Don’t list the wrong main driver or usage (commuting/business vs private). Don’t insure on an NL policy while still on foreign plates. Be honest about annual mileage and modifications. With modern ADAS, ensure windscreen cover includes camera recalibration. Using the car for ride-hailing/food delivery? You’ll need the right business cover.

NL ↔ EN Insurance Glossary (Quick)

  • WAM: Motor Vehicle Liability Insurance Act
  • WA / WA+ / Allrisk: Third-party / Limited comprehensive / Fully comprehensive
  • Schadevrije jaren: claims-free years (no-claims)
  • Eigen risico: deductible/excess
  • Kenteken: licence plate
  • APK: MOT/roadworthiness
  • Herstelnetwerk: approved repair network
  • Groene Kaart: Green Card

After an Accident (Essentials)

Ensure safety, exchange details, and complete the European Accident Statement. Take photos, note witnesses, location, time and weather. Report to your insurer promptly and follow their repair-network instructions; courtesy car and coverage abroad depend on your exact policy.

Disclaimer

This page is informational, not advice. Always verify specifics with your insurer and policy documents.

Pay Yourself or Claim on Insurance?

If, despite having several claim-free years, you unfortunately suffer damage to your car, the question arises whether it might be better to pay for the damage yourself. If you let your insurance handle it, your no-claim discount will decrease. This means your car insurance premium will increase. Are you a confident driver and do you expect this to be a one-time event? Then it’s probably better to pay for the damage yourself. Of course, this depends on the amount of damage — this is only worthwhile for minor damages. You can also ask your car insurer for a calculation before submitting a claim. If you have already claimed and later realize that it would have been wiser not to, you often still have a few months to reimburse the damage yourself. This way, your no-claim discount remains high and your monthly premium stays low!

Pros and Cons of the Different Car Insurance Types

For an older, cheaper car, it makes little sense to heavily insure it with additional coverage, as the premium would be out of proportion to the car’s value. A cheap third-party liability (WA) insurance often suffices in such cases. For new cars, it is wise to choose a car insurance policy that covers everything. This may seem expensive at first, but most insurers offer a no-claim discount if you drive damage-free for a long time. The cleaner your claims history, the higher your discount — this can go up to 70 or 80 percent! After all, why pay for damage insurance if you never cause damage? Poor drivers pay more in comparison because they have caused damage, which has to be covered by the insurer. A logical story. It’s also good to know that you won’t immediately lose all your claim-free years (bonus-malus) after a minor accident. This depends on the severity of the damage and whether you have a no-claim protector (optional coverage). Of course, this varies by insurer, so it’s important to take these factors into account when comparing car insurance policies. Therefore, don’t compare car insurance solely on price — the lowest price is not always the best choice.

This Is How You Choose Your Best Car Insurance

  • Choose Your Coverage

    How old is your car and how do you want to insure it? The general guideline is to insure cars under 4 years with All Risk coverage. Between 4 and 8 years, WA+ or Limited Comprehensive is recommended, and cars older than 8 years are usually only insured with WA coverage. You can also add any additional coverage you want.

    Step 1
    Choose coverage
  • Compare Car Insurances

    Request a premium quote from several Netherlands car insurance providers. What are the differences? Also check the deductible, replacement value coverage, and for example, who is allowed to repair your car. Make a list of what’s important to you before you start comparing car insurances.

    Step 2
    Compare
  • Choose Your Additional Coverage

    Decided which car insurance is the most interesting for you? Then think about additional coverages. Do you want to insure your passengers or not? Is roadside assistance something you want to add? Am I not double-insured? You can no longer adjust this after you take out the insurance.

    Step 3
    Repair
  • Take Out a Cheap Car Insurance

    Switching is easy. Cancel your old car insurance and let the new insurer know that the new policy should start on the same (expiration) day. Insuring a new car in the Netherlands? Make sure the policy starts on the day you register the car in your name. Keep in mind that you usually can’t switch insurers in the first year. If you pass the automatic acceptance process, the insurer will provide temporary coverage (within minutes), verify your details, and later send you the bill or deduct the amount monthly or yearly.

    Step 4
    Save

Frequently Asked Car Insurance Questions

  • Can I insure a car on foreign plates while living in NL?

    Usually not. Keep your foreign policy or use specialist interim cover until the car is registered on Dutch plates. Once registered and used on public roads, NL insurance is mandatory.

  • Will Dutch insurers accept my non-EU driving licence?

    Often initially, but rules vary. Some insurers require a licence exchange after settlement. Always confirm acceptance before binding the policy.

  • Can I pay monthly without a Dutch IBAN?

    Many insurers accept SEPA IBANs from other EU countries for direct debit. If not, annual payment or switching bank accounts are common workarounds.

  • How do I transfer my no-claims (claims-free) years to the Netherlands?

    Provide a signed claims-free letter on your previous insurer’s letterhead with policy number, insured period and any claims (dates/amounts), preferably in English or Dutch. Upload it during application and confirm the recognised years before finalising.

  • Do I need a printed Green Card for trips outside the Netherlands?

    Digital proof is often sufficient within the EEA, but some destinations still ask for a physical Green Card. Request one from your insurer before travelling.

  • Who should be listed as the main driver on my policy?

    The person who uses the car most. Listing someone else to lower the premium can void cover. Be accurate about usage (commuting/business vs private) and annual mileage.

  • Is it mandatory to insure a car?

    Yes, insuring your car is legally required. This is stated in the Motor Vehicle Liability Insurance Act (WAM). Third-party liability (WA) insurance must be taken out as soon as you purchase a car. WA stands for "Wettelijke Aansprakelijkheid" (Legal Liability). With WA insurance, you are covered for damage to others. The cheapest car insurance policies often only include basic WA coverage. Compare car insurance policies to find the right coverage for you. Not having any insurance will be fined automatically.

  • Can I get my insurance in English?

    No, as far as we know, most companies do NOT offer English-language support or provide insurance policies in English. You can use any translation service for this. We recommend not using agencies or offices that arrange this for you, as their fees are often very high. Instead, you can use tools like Google Translate, Google Lens, ChatGPT, or other translation services.

  • How much does car insurance cost?

    The cost of car insurance in Holland varies per insurer and per person. On average, car insurance costs around €75 per month. Prices typically range between €30 and €100. The total premium you pay depends on the type of insurance you choose and any additional coverage. Your claim-free years also play a role. The more claim-free years you have, the lower your premium. Of course, different insurers have their own pricing and coverage. It's important not to blindly choose the cheapest car insurance but to compare them carefully.

  • Is the cheapest car insurance the best?

    No, not necessarily. It's important to compare the car insurance options in the same price range. There will be differences in terms and coverage, meaning that a slightly more expensive car insurance could ultimately be a better choice. Don't just focus on the lowest price.

  • How do you take out car insurance?

    You take out car insurance online on the website of your chosen insurer. It’s also often possible to arrange car insurance over the phone or through the insurer’s app. Receiving a cold call from a call center? Best to avoid that. Compare car insurance yourself and you’ll often find better deals.

    You’ll need a few details to take out insurance, including:

    - License plate number

    - Primary driver details

    - Date of birth

    - Postal code

    - Estimated annual mileage

    - Number of claim-free years

    Once you've entered these details, the premium will be calculated. Additional questions or document requests may follow, for example when insuring a second car. More information about the process can be found on your insurer’s website.

  • What are claim-free years and how many do I have?

    Claim-free years are the years in which you have not caused damage and therefore haven’t made an insurance claim. The more claim-free years you build up, the higher your no-claim discount.

    If you do cause damage but decide to pay for it yourself, it still counts as a claim-free year. Changing insurers? You take your claim-free years with you.

    You can find your number of claim-free years on your insurance policy. This information is stored in the ROY database, not with the Dutch RDW.

    You can transfer your claim-free years from another country, but you will need an official (verified) statement from your previous insurer.

  • What does WA and WA+ insurance cover?

    There are three basic coverage types: WA insurance, WA+ insurance, and Fully Comprehensive (All Risk) insurance.

    WA insurance is legally required. This basic and cheapest car insurance covers damage caused to others. Damage to your own vehicle is not covered. WA+ insurance also covers some damage to your own car, such as damage from fire, storms, or broken windows. Damage you cause yourself is not covered. Which option suits you best depends on your situation, which you can discover by comparing car insurances.

  • What is Fully Comprehensive (All Risk) Insurance?

    A Fully Comprehensive (All Risk) insurance is the most extensive basic coverage. It also covers damage you cause yourself. For example, if you hit something or cause an accident. Damage caused intentionally is excluded. You can expand this coverage with add-ons like roadside assistance or passenger insurance.

  • Which coverage suits me?

    Which coverage suits you best depends on your personal situation and preferences. The age of your car plays an important role. See the table below for recommendations by the Consumers’ Association:

    Car Age Recommended Coverage
    New to 6 years old All Risk (Fully Comprehensive)
    6 to 10 years old Limited Comprehensive (WA+)
    10 years or older Third-Party Liability (WA)

    The car’s value also matters. Your car may be 8 years old but still valuable. With Fully Comprehensive, most damage to your car is reimbursed.

    You should also consider how much premium you’re willing to pay. The higher the coverage, the higher the premium. Can you cover damage yourself if needed? These are important considerations.

  • What should I do in case of damage?

    If your car has been damaged, what to do depends on how the damage occurred. In the case of a collision, first fill out a claim form and, if possible, collect witness details. Then report the damage to your insurer, usually through their app or website. For window damage, you can often go straight to an approved repair shop. For other damage (such as hitting a pole or storm damage), you must report it first. If your insurance doesn’t cover the damage, you don’t need to file a claim.

  • What is a no-claim discount?

    Most car insurers give you a discount on your premium if you don’t make any claims. In other words, if you don’t claim damage on your insurance. This is called a no-claim discount. No claim = no damage claim. If you do claim damage, your premium will rise. This keeps insurance payouts affordable. It doesn’t matter whether you have cheap or expensive insurance — a year is a year. That’s why it’s smart for young drivers to choose a cheap car insurance for an older car and start building those claim-free years.

  • Can I insure my second car?

    Yes, you can. Many Netherlands insurers offer a discount for insuring a second car, called a "second family car discount." This could mean you get the same no-claim discount as your first car, or sometimes a 10% discount on the premium. If you have an accident with one car, it won’t affect the no-claim discount on the other.

    Usually, the second car must also be registered in your name or your partner’s name. You must be registered at the same address. Note: cars owned by children living at home are almost always excluded from the second car discount.

View all questions

Independence

Auto-Verzekering.net has no agreements with individual car insurance providers or insurance companies. The list on our website is sorted based on the information we found and calculated premiums. Large comparison websites receive extra payments to rank certain insurers higher — we at Auto-Verzekering.net do not do this. You request your premium directly on the insurer’s website, not through our system. This way, you always have a clear view of the actual price and your privacy is guaranteed.

Because we only offer direct links to insurers, you can easily take out car insurance directly with the insurer. This prevents you from paying (too) much through an intermediary. Have questions or problems? You can contact the insurer directly instead of going through a middleman.

Of course, we do not charge any brokerage or advisory fees. Using our website is free of charge. We are also not allowed to provide insurance advice.