Coverages of Dutch car insurances

In the Netherlands, car owners can choose from three main types of car insurance coverage:

Each type of insurance provides different levels of coverage. Not every Limited cover or Fully comprehensive insurance offers the same protection, as coverage can vary per insurer. Below, you will find a detailed explanation of what each type of insurance typically covers and how to choose the right one for your needs.

Third-Party Liability
  • Damage to other vehicles
  • Theft or attempted theft
  • Fire- and storm damage
  • Window damage
  • Damage to own car
  • Vandalism
TP + Limited cover
  • Damage to other vehicles
  • Theft or attempted theft
  • Fire- and storm damage
  • Window damage
  • Damage to own car
  • Vandalism
TP + Comprehensive cover
  • Damage to other vehicles
  • Theft or attempted theft
  • Fire- and storm damage
  • Window damage
  • Damage to own car
  • Vandalism

Insurance coverages

Selecting the right car insurance coverage depends on the value of your car, its age, and the risks you want to cover. Understanding the key differences between these coverages is essential in making an informed decision.

Third-Party Liability - Mandatory minimum coverage

By law, every car in the Netherlands must be insured with at least a Third-Party Liability (WA) insurance. This coverage only pays for damages caused to other people, vehicles, or property. However, it does not cover any damages to your own car. This type of insurance is generally recommended for older cars with low market value.

What is covered?

  • Damage to other vehicles
  • Injury to third parties (medical costs, compensation claims)
  • Damage to property caused by your car

What is not covered?

  • Damage to your own vehicle
  • Theft, vandalism, or natural disasters affecting your car

Third-Party Liability + Limited cover

This insurance includes Third-Party Liability coverage and provides additional protection for specific damages that are not your fault. It is often chosen for cars that are a few years old and still have a reasonable market value.

What is covered?

  • Everything covered under Third-Party Liability
  • Theft or attempted theft
  • Fire damage
  • Storm and natural disaster damage (e.g., hail, flooding)
  • Broken windows and windshield replacement
  • Collisions with animals

What is not covered?

  • Damage to your own car due to an accident caused by yourself
  • Vandalism (unless related to theft)

Third-Party Liability + Comprehensive cover

This is the most extensive coverage available and is typically recommended for new or relatively new cars. It includes everything covered by WA Beperkt Casco, along with coverage for almost all damages to your own car, regardless of who is at fault.

What is covered?

  • Everything included in Limited Cover
  • Damage to your own car due to an accident (even if you are at fault)
  • Vandalism
  • Damage caused by unknown third parties (hit-and-run cases)

What is not covered?

  • Intentional damage
  • Mechanical breakdown or wear and tear

Choosing the right coverage

With the two extended coverages, you can also choose your excess or deductible. This is the amount you need to pay yourself with any claim that you make to the insurance. Most insurance companies offer you a specific amount for excess, but in most cases you can adapt this amount to lower your premium.

The insurance coverage that's best for your situation depends on your car and the damages that you want to cover. The best coverage in general depends on the age and value of your car, but of course your preference can vary depending on your own situation:

  • Cars older than 10 years - Third-party liability only
  • Cars between 5 and 10 years of age - Limited cover
  • New or fairly new cars (0-5 years of age) - Comprehensive cover
Calculate your savings:
Zipcode
Number
Addition
Date of birth
Kamer van Koophandel 02073737 AFM Wft vergunning 12011322 KiFiD Aangesloten bij het KiFiD
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