Car insurance in the Netherlands

You need a valid drivers licence to insure your car, but that doesn't specific has to be a Dutch drivers license. If you have a valid driver's license from another EU country, you can use it in the Netherlands without any time limit. Although some insurance companies may have their own requirements and may prefer or require you to have a Dutch license. Therefore it’s always wise to check with the specific company to understand their requirements.

With most Insurance companies you can easily report your claim online. Always fill in the EU accident form (called schadeformulier in Dutch) that has been provided by your insurer. File the claim with your provider and upload or send them photos of the accident as possible. In event of an accident it’s always wise to contact the police and let them make an incident form. This form you can also send together with your claim to your Insurance.

Yes, in Holland you need a Dutch address to insure your car. You will need to provide an address where you live and some insurers require proof or residency when you apply for an insurance. Also, to register your car in Holland, you require a valid address. This requirement exists because most companies determine their risk and based on various factors, including the location where the car will be primarily used.

Regarding only the coverage, insurance with third party liability coverage is the most affordable option to insure your car. But remind yourself that only the damage caused to someone else is covered. When you want a better coverage, you can choose for several extended coverages. Premiums mainly depend on your driving history, the characteristics of the car like price and weight, and your location in the Netherlands. To compare different Insurance options and premiums you can make your comparison here.