The cheapest car insurance in the Netherlands (2024)

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The cheapest car insurance in the Netherlands

Don’t wait and see how much you will pay for car insurance in the Netherlands. Enter your personal information above, select the number of accident-free years and pay less for your insurance!

▶ Dutch company, different languages.

▶ We accept years of accident-free driving, we transfer discounts from abroad.

▶ Up to 10% discount in a bundle.

At Polisa.nl you can choose basic car insurance or comprehensive insurance in various forms. Calculate your installment in 1 minute!

Polisa.nl can offer you a perfect Dutch vehicle insurance for: private, company cars, buses, motorbikes and scooters at an extremely attractive price. By purchasing insurance through our website, you will receive a discount for years of accident-free driving in Poland or in Europe. You will also find out how to cancel your current car insurance.

TPL car insurance in the Netherlands

Third party liability insurance is mandatory insurance in the Netherlands. It only covers the cost of damage that you have caused to someone else’s vehicle. It only takes few minutes to take out a vehicle insurance with us. The policy for a car or motorbike will be ready within minutes. If you own a car in the Netherlands, according to Dutch law, you must purchase WA insurance.

Calculator TPL

TPL insurance + Minicasco

Third party liability insurance + limited MiniCasco insurance is an extended form of the basic TPL. In addition to the damage that you have caused to someone else’s vehicle, it also covers some damage to your own car, such as damage to the windshield or those caused by fire, theft, hurricane, hail and animal collision. We recommend purchasing this type of car insurance for vehicle between 6 and 10 years old.

TPL Insurance+ Autocasco

Third party liability insurance + AC insurance (also known as “all risk” insurance), is the most extensive form of car insurance in the Netherlands. Apart from the damage that you have caused to someone else’s vehicle with your own car, it also covers the damage caused to your vehicle, even if it was your own fault. In addition, you are insured against the effects of vandalism and theft. We recommend always insuring cars that are older than 6 years with TPL + AC insurance.

We will advise you in choosing the perfect insurance policy! If you have any questions, please don’t hesitate to contact us : 088 1021 544.

Frequently asked questions about car insurance in the Netherlands

How to change a car insurance policy?

Changing a car insurance in the Netherlands is very simple. We can help you with the termination of the contract with the previous insurance company and select a new, more suitable insurance. Fill in a few personal details so we can prepare an official letter terminating your old insurance and enjoy discounts on the OC or AC of your vehicle at Polisa.nl!

What are the types of car insurance?

At Polisa.nl you will find three types of car insurance. The vehicle must be insured with at least basic and compulsory third party liability insurance. It only covers the cost of damage that you have caused to someone else’s vehicle. Third party liability insurance + Autocasco covers the damage that you have caused to someone else vehicle, as well as the damage done to your own vehicle, even if it was your own fault. Polisa.nl also offers MiniCasco, an intermediate insurance option.

How to change the account number for payment of contributions?

If you want to change the account number from which your monthly contributions were debited, please contact us directly via email info@polisa.nl.

How do I register a car in the Netherlands?

To register a car in the Netherlands, you need to do a vehicle inspection (APK), go to the RDW and to a location where new license plates will be issued. From the moment of registration in the Netherlands, you can drive on foreign plates for up to 3 months. After this time, the car must be re-registered on Dutch plates. After you register your vehicle, you must insure it. In the Netherlands, the car must be insured with at least basic third party liability insurance, which is compulsory.

How to re-register foreign license plates to Dutch ones?

According to Dutch law, the change of license plates from foreign to Dutch is required after 3 months from registration in the Netherlands. In order to re-register the vehicle, perform a vehicle inspection (APK) and go to the RDW and a location where new license plates will be issued. Remember that every motor vehicle must be insured with at least a basic third party liability insurance policy.

How to insure a second car?

It’s very easy at Polisa.nl! Are you our client? If so, you get a discount for insuring your next vehicle! All you have to do is fill out the calculator on our website or contact our advisors. We will adjust the insurance to your needs and possibilities! Polisa.nl is the Polish leader on the Dutch insurance market. We provide services and support in many different languages! Please do not hesitate to contact us.

The cheapest car insurance in the Netherlands (2024)

FAQs

How much does car insurance cost in Netherlands? ›

If you choose a basic WA (Wettelijke Aansprakelijkheid) which means you are only insured for third part liability, you pay around 30-50 euro per month. Do you want more like All-risk insurance this can go up to 100 euro per month. On average people in the Netherlands pay around 75 euro per month.

Who is known for cheapest car insurance? ›

USAA, Nationwide, Travelers, Erie, Geico and Progressive are the cheapest car insurance companies nationwide, according to our analysis. Car insurance costs are continuing to climb this year. To help you find the lowest rates for your needs, we assessed rates for various ages and driver profiles.

Is car insurance mandatory in the Netherlands? ›

In The Netherlands it is mandatory for all cars to have at least a third party liability car insurance. This insurance is called WA (Wettelijke Aansprakelijkheid) in Dutch. Damages inflicted with your own car to other people and their property are covered with this car insurance.

How much is insurance in Holland? ›

The cost of basic Dutch medical insurance is around €100 - €120 per month. Monthly premiums with your provider are fixed for the calendar year. You need to get insurance within 4 months of your arrival, but in order to do so you'll need to register with your local council and get a citizen service number (BSN) first.

Is it expensive to own a car in Netherlands? ›

The Netherlands is the most expensive country in Europe to drive a car, according to the new CarCost Index of car leasing and fleet management company LeasePlan.

Can a foreigner buy a car in the Netherlands? ›

Yes, a foreigner can buy a car in the Netherlands. You can even put a car in your name with a foreign driving licence. You will need to have one of the following legal documents, however: ID or driving licence from an EU or EVA country.

What type of car insurance is the cheapest? ›

Typically, fully comprehensive insurance is the least expensive, though prices are influenced by individual circ*mstances.

Who is cheaper, Geico or Progressive? ›

Both of these auto insurers are reasonably priced, with premiums that are generally lower than the national average for most types of drivers. However, in a side-by-side comparison, Geico is usually the cheaper of the two, on average.

What is the cheapest insurance for full coverage? ›

American National, Country Financial, Nationwide, Erie and USAA offer the five cheapest full-coverage insurance policies. According to our rate data, the national average annual cost of a full-coverage car insurance policy is $2,008 per year.

How much is car insurance in NL? ›

Average Newfoundland Car Insurance is $1,168/year

No-fault system for property damage since January 2020. Three mandatory coverages: liability, uninsured driver, DCPD. Age doesn't affect premiums due to 2004 auto insurance reform.

Which insurance should I get in the Netherlands? ›

These are the healthcare insurance, the car insurance, and the home insurance.
  • Healthcare insurance. Everyone residing in the Netherlands is obligated by law to take out healthcare insurance. ...
  • Car Insurance. If you own a car, you must at least take out third party liability insurance for it. ...
  • Home Insurance.

Is insurance Free in the Netherlands? ›

Does the Netherlands have free healthcare. The Netherlands has universal healthcare, but the government requires all adults living or working in the Netherlands to have basic insurance. The basic plan will cost € 100-120 out of pocket.

How much is car insurance per month in the Netherlands? ›

The average car insurance costs about 75 euros per month, but the insurance premium is different for everyone. You may pay 30 euros or 90 euros per month. It all depends on the factors above.

What is the cost of living in the Netherlands? ›

A. The cost of living in the Netherlands can vary depending on the city and lifestyle. On average, a single person may spend around €800-€1,200 per month on accommodation, food, transport, and other expenses. Students can expect to live comfortably in the Netherlands with a monthly budget of INR 86,000 (€952).

What is the insurance tax in the Netherlands? ›

An insurance tax of 21% is payable on insurance premiums if the insured is a resident of the Netherlands or if the insured object is in the Netherlands. Several exemptions apply; ships and aircraft operated in international traffic, for example, are exempt from the insurance premium tax.

Are European cars more expensive to insure? ›

Car insurance rates are calculated based on the make and model of a car, and there isn't specific import car insurance. Whether a car is foreign or domestic is rarely a factor. Insurance companies are more interested in looking at the size and power of a vehicle rather than the company that made it.

How much is national insurance in Netherlands? ›

National insurance premium

It covers old age, death, long-term disability, certain medical expenses and child benefits. The total premium for national insurance is 27.65%, which is divided in: AOW (General Old-age Pensions Act): 17.9%. *

What is basic insurance in Netherlands? ›

The Dutch basic health insurance plan covers the costs of, among other things: General practitioner (GP) care. Specialist care. Hospital stays. Medication and medical aids.

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