Stel in auto

Car Insurance in the Netherlands

Well insured on the road

  • Suitable replacement transport (with Third Party + Limited Cover or All-Risk)
  • Compare our packages and customize your car insurance
  • Get the purchase price of your car back for 3 years in case of total loss or theft (with Third Party + Limited Cover or All-Risk)
Check your premium

You can insure your car in the Netherlands perfectly with our Car Insurance

Taking out car insurance doesn’t have to be complicated. With our years of experience, we help you compare our insurance options. This way, you’ll have coverage that suits your needs, and you’ll never pay too much. More importantly, we’re here for you when you need us. Whether it’s a breakdown or car damage, one message is all it takes, and we’ll take care of it for you.

Choose the car insurance that suits you

You pay a lower premium if you choose an excess

The excess is a fixed amount you pay in case of damage. With our Third Party + Limited Cover (WA+ Beperkt Casco) and All-Risk Car Insurance, you can choose an excess of € 0,-, € 150,-, or € 300,-.

WA

Minimum required in the Netherlands

Third Party + Limited Cover (WA+ Beperkt Casco)

Also insure damage to your own car

All Risk

Our most complete car insurance
Damage to others
Glass damage
Fire, storm, and natural disasters
Theft and burglary
Collision and vandalism
Choose Choose Choose

Important information about your Car Insurance

No-Claim years

You earn no-claim years if the Car Insurance is in your name. The more no-claim years you have, the higher your discount percentage will be. 

Check your no-claim years in Mijn Centraal Beheer.

Purchase price coverage

Did you buy your car second-hand? And do you have Third Party + Limited Cover (WA+ Beperkt Casco) or All-Risk Car Insurance? Then the purchase price coverage applies to you. If your car gets stolen or written off in an accident covered by your insurance, you will be reimbursed the purchase price.

New car value coverage

Did you buy your car brand new? And do you have Third Party + Limited Cover (WA+ Beperkt Casco) or All-Risk Car Insurance? Then the new car value coverage applies to you. If your car gets stolen or written off in an accident covered by your insurance, you will be reimbursed the new value.

Check your reimbursement through the new car value coverage.

Our network of repair specialists and brand dealer service points

Do you have damage? Visit one of the repair shops in our extensive network of repair specialists and brand dealer service points. You’ll receive fast and professional service, so you can get back on the road quickly.

Learn more about our repair network.

Green card

The green card is an international insurance certificate. It proves that your car is insured. In the Netherlands and many other countries, you don’t need to carry the original green card with you.

What do you need a green card for?

Insuring a different car

Bought a new car? You can easily update your Car Insurance with the details of your new car. Are you insuring a second car and already have Car Insurance with us? Then you’ll get the same no-claim discount as for your first car. This applies to another car owned by you or your partner whom you live with. If you or your partner have negative no-claim years for a second car, this does not apply.

Update your Car Insurance.

Frequently Asked Questions (FAQ) about Car Insurance in the Netherlands

Yes, you can. However, we only insure cars with a Dutch license plate. If your imported car does not yet have a Dutch license plate, you can insure it for third-party liability (WA) using the chassis number. This can only be arranged by phone. Once your car is approved by the RDW and has a Dutch license plate, you can expand the coverage.

Yes, but only if the second car is owned by you or your partner living at the same address. If you or your partner have negative no-claim years for the second car, this discount does not apply.


The registration code consists of the last four digits of your car's chassis or identification number. You can find these four digits:

  • On your registration papers or card.
  • Inside the car door.
  • Under the car hood.
  • On the invoice from your dealer.

In some cases, an additional vehicle tracking system is required. If your car has a catalog value of € 75.000,- or more and is less than 5 years old, extra security is mandatory. Theft and joyriding are only covered if your car is equipped with one of the following systems: 

  • A vehicle tracking system with CCV Vehicle Security certification.
  • A Recovery System (RS) with CCV Vehicle Security certification.
  • A LoJack Tracking Device.

You must prove your car’s security with a valid certificate, and the alarm must be activated when the car is not in use.

Repairs are handled through our damage repair service. Using our extensive network of repair shops and dealer service points, we ensure your car is quickly and expertly repaired. Repairs use original parts, include required brand certification, and come with a 4-year FOCWA/Bovag warranty. A replacement vehicle is provided, and you don’t need to pay upfront. We handle everything with the repair shop for your convenience.

Does 1 of the following situations apply to you? Then you need to insure your car as a business vehicle.

  • The license plate is registered under the name of a company.
  • The car is (partly) purchased or financed in the name of a company. Or the car is included in the company’s financial accounts.
  • The car is used for profit-making purposes, such as renting it out or using it as a taxi.
  • Costs associated with the car appear in the company’s accounting. Such as fuel, insurance, maintenance, MOT, vehicle tax, depreciation, or parking fees.

You can configure and finalize your Business Car Insurance online with us.

You can lend your car occasionally, for example, to a family member or friend. Your car remains insured as long as the driver has your permission and a valid license. If someone else regularly drives your car, you must inform us within 14 days.
If the batteries are included in the catalog value of your electric car, they are covered under your Car Insurance. If you rent the batteries, they are not covered.

Yes, you can insure your vehicle with a grey license plate with us. You can get a grey license plate if you have a business or if you are disabled. It is usually a van insurance, and the license plate often starts with a B or V. A vehicle with a grey license plate is often used for business. If you use the vehicle for business, you can only insure it with our Business Car Insurance.

Centraal Beheer has no age restrictions. We also do not have adjusted conditions for seniors.

If you use your car for business purposes, you can only insure it with our Business Car Insurance.