Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to objects
WAM obligation · no-claims years · Roy-data
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Two things decide almost everything about car insurance: your no-claims years and the market value of the car. The first sets what you pay, the second whether own-damage cover still pays off.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Car insurance is compulsory under the Dutch Motor Insurance Liability Act (WAM) from the moment a car is registered in your name — even if you never drive it. That obligation only lapses if you suspend the registration with the RDW (the Dutch vehicle authority). The Act defines a motor vehicle broadly: anything moved across the ground other than along rails by a mechanical force on or in the vehicle itself.
You can choose from Third-party liability (damage to others), Third-party liability + fire and theft (theft, fire, storm, glass and collisions with animals as well) and comprehensive cover (damage through your own fault as well).
Your premium depends heavily on your no-claims years. You build these up for each year without an at-fault claim, and you usually lose five at once when a claim is paid. They are registered in Roy-data, the central system of the insurers, and therefore transfer automatically to a new insurer. With most insurers, glass damage does not count.
What does car insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability + fire and theft
In addition, damage to your own car from external causes.
- Theft and burglary
- Fire, storm and hail
- Windscreen damage and windscreen replacement
- Collision with animals
Comprehensive
Including damage to your own car through your own fault.
- Own fault and single-vehicle accident
- Vandalism
- Unknown party at fault
- Total loss
What is covered
| Situation | Third-party liability | Third-party liability + fire and theft | Comprehensive |
|---|---|---|---|
| Damage to another car | Yes | Yes | Yes |
| Theft of your car | No | Yes | Yes |
| Windscreen damage or stone chips | No | Yes | Yes |
| Storm, hail and fire damage | No | Yes | Yes |
| Driving into a bollard yourself | No | No | Yes |
| Wear, deferred maintenance and intent | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Claim or pay yourself: work it out
With an at-fault claim you usually lose five no-claims years and your premium rises for years, because you then climb back up step by step. For a small claim, paying yourself can therefore be cheaper than claiming. Always ask for a damage assessment before you finalise a claim; most insurers give you that room.
Declare the regular driver correctly
Registering the car in a parent's name while the child does most of the driving saves premium, but it creates two problems. The younger driver builds up no no-claims years, and after a claim the insurer can reduce or refuse payment because of an incorrect declaration. The greater the gap with the real situation, the more heavily this counts.
When own-damage cover stops paying off
A useful rule of thumb: once three years of own-damage premium comes close to the market value of the car. For a new car that point is still a long way off, certainly with a replacement-value-as-new or purchase-value arrangement that pays out the original value for the first few years. With such an arrangement, check the term and the conditions; they differ considerably from insurer to insurer.
The limitation period runs faster than you think
A claim against your insurer becomes time-barred after three years under Article 7:942 of the Dutch Civil Code. In a liability matter that period starts to run as soon as you are held liable, not on the day of the accident. With liability insurance, the limitation period is interrupted by any negotiation between the insurer and the injured party; that interruption lasts until the insurer acknowledges the claim or unequivocally breaks off the negotiations.
What does your premium depend on?
- No-claims years — the most decisive factor
- Make, model and list price
- Cover and excess chosen
- Annual mileage
- Age of the regular driver
- Postcode area — theft and collision statistics
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
The questions we are asked most often about this.
Where are my no-claims years registered?
In Roy-data, the central registration system of the Dutch insurers. If you switch, your new insurer collects your years from there; you need do nothing yourself. Do check that the number matches what you expect.
How many years do I lose after a claim?
With an at-fault claim, usually five. For damage someone else is liable for, you lose none. With most insurers, glass damage does not count towards the bonus-malus.
May the car be registered in my parents' name?
That is allowed, but the regular driver must be declared correctly. If someone other than the person declared drives the car regularly, the insurer can reduce or refuse payment, and the actual driver builds up no no-claims years either.
When is comprehensive cover still worthwhile?
For a new car, with finance or a lease, and when you could not absorb a total loss financially. Rule of thumb: if three years of own-damage premium comes close to the market value, it no longer pays off.
Do I have to insure the car if it is not being driven?
Yes. The insurance obligation under the WAM applies as soon as the registration is in your name, whether or not you drive. Only a suspension of the registration with the RDW lifts that obligation, and you may then not use the road.
Do I need a green card?
Within the EU you are not required to carry one, but in a number of countries outside the EU you are. We arrange it free of charge.
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About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.