Here’s what to keep in mind when taking out car insurance
To drive a car, you not only need your driver’s license, but also good car insurance so that you can drive carefree. It is important to find suitable insurance for your car as it can save you quite a bit of money and provide a suitable service. That is why we have listed the most important things for you here that you should pay attention to when choosing the right car insurance.
Compare the premium
You can compare the premium for the coverage you need with different insurers. This premium that you ultimately pay depends on several factors. These are, for example, the number of kilometers you drive annually, the number of claim-free years you have built up and the age of your car. In this way, the car insurance is tailored to your personal situation, but also to your own preferences. Do you want more coverage or even additional coverage? The premium will then increase automatically.
Different types of coverage
As soon as you are ready to take out car insurance, you can see which cover best suits your situation. In the Netherlands, every motorist is legally obliged to insure the car at least WA. You can choose from the following options:
- WA Insurance: WA stands for third party liability insurance. This is the most basic insurance and the cheapest car insurance there is. Third-party liability insurance only covers the damage that you cause to third parties with your car. This is ideal if you are going to drive a used car that may occasionally suffer minor damage such as paint damage, or if you are handy and can repair damage yourself.
- Limited hull insurance (or WA+): This insurance gives you more extensive coverage. Limited hull insurance does not only cover damage that you cause to others, but also damage to your own car, such as window damage and damage in the event of theft.
- All-risk insurance (or full hull): This is the most complete cover you can choose. With this you are also insured against damage that you cause to your own car. All-risk insurance is especially recommended if you have a new car.
First read the policy conditions of your insurer to know exactly what is covered for your car and be well informed when you take out car insurance.