Guide to car insurance
Dutch car insurance differs from that found in many other countries. In The Netherlands it is the car that is insured, not the person who has taken out the insurance. The advantage of this system is that you are free to lend the car to your partner, children or friends.
This method contrasts with that found in the UK, for example, where it is the person that is insured - not the car. When someone else wants to drive the car, you have to ask the insurance company's permission and pay an additional premium.
Choosing car insurance can be complicated, and you will often only see how good your policy is when you have an accident and find you need it. The financial consequences can be horrific. It is therefore important to make the right decision when choosing your insurance package.
The three main kinds of car insurance are:
- Third party / liability (wettelijke aansprakelijkheidsverzekering/WA)
- Restricted comprehensive cover (WA+ / Mini-casco)
- Comprehensive cover (Casco / Volledig casco)
Liability insurance for your car is compulsory. This insurance covers the damage that you cause to others (the third party) with your car.