Which Car Insurance is Right for You?
A car insurance is legally required for everyone with a car on public roads. But which coverage do you choose? The right choice depends on the age and value of your car, your driving behavior and how much risk you are willing to bear.
There are three main coverages: WA (only harm to others), WA+ limited airframe (also theft, fire, storm) and All risk (including own damage). The average premium is between €40 and €75 per month, but can range from €14 to €150+ depending on your situation.
At Finass Verzekert we compare car insurance policies from 30+ insurers. We help you find the best coverage for the lowest premium – our customers save on average €290 per year.
WA, WA+ or Allrisk?
Compare the three coverages and choose what suits your car:
WA
Legal Liability
From €14/month
- ✓ Harm to others
- ✗ Theft of own car
- ✗ Fire own car
- ✗ Storm/hail damage
- ✗ Window damage
- ✗ Own fault damage
💡 Suitable for cars older than 9 years or low current value
WA+ limited airframe
Also called WA Casco
From €17/month
- ✓ Harm to others
- ✓ Theft & burglary
- ✓ Fire
- ✓ Storm, hail & lightning
- ✓ Window damage
- ✗ Own fault damage
💡 Suitable for cars 6-9 years old
All risk
Also called Full Casco
From €24/month
- ✓ Harm to others
- ✓ Theft & burglary
- ✓ Fire
- ✓ Storm, hail & lightning
- ✓ Window damage
- ✓ Own fault damage
💡 Suitable for cars under 6 years old or high value
When is which damage covered?
Examples of situations and what coverage you need:
📋 Coverage overview per Situation
- → Against the post/own fault: Only Allrisk
- → Theft, fire, storm, hail: WA+ and Allrisk
- → Window damage: WA+ and Allrisk
- → Collision wild: WA+ and Allrisk
- → Vandalism: Usually only Allrisk
- → Harm to others: All coverage (WA, WA+, Allrisk)
💰 Premium indication Car insurance 2025
Average monthly premium based on claim-free years:
| Claim-free years | WA | WA+ | All risk |
|---|---|---|---|
| 0 years (beginning) | €40-€80 | €50-€100 | €70-€150 |
| 5 years | €25-€45 | €30-€55 | €45-€85 |
| 10 years | €18-€35 | €22-€45 | €35-€65 |
| 15+ years | €14-€28 | €17-€38 | €24-€55 |
📊 Car Insurance Facts 2025
📈 Claim-Free Years & No-Claim Discount
Every year without a claim you build up a claim-free year. This provides a discount on your premium:
- → You usually lose per claim 5 claim-free years
- → Remain claim-free for years Valid for 3 years after termination of policy
- → Limited hull claims (storm, hail) often cost no claim-free years
- → You can sometimes have claim-free years take over from parents
⚠️ Young & Novice Drivers
Drivers under the age of 25 pay one youth allowance of at least 25% on the premium. Premiums for young people range from €40 to €168 per month. Tips: build up claim-free years (in your own name!), choose a smaller/older car, and compare carefully – some insurers such as FBTO and Centraal Beheer are friendlier to young people. Please note: insurance is in the name of parents insurance fraud!
Best Car Insurers 2025
According to MoneyView and Consumers' Association (August 2024 / 2025):
🔧 Additional Coverage
Expand your car insurance with these options:
- → Roadside assistance: Roadside assistance (ANWB style)
- → Legal aid traffic: Legal assistance in traffic conflicts
- → Passenger insurance: Extra coverage for passengers
- → No claims protector: Retain claim-free years with 1 claim/year
- → New value scheme: New value instead of current value in case of total loss
- → Purchase value scheme: Purchase price in case of total loss (second-hand)
💡 Tips to Save
- ✓ Compare annually – change premiums, switching pays off
- ✓ Reduce coverage for older cars – from Allrisk to WA+ after 6 years
- ✓ Increase deductible – lower premium, but more risk
- ✓ Pay annually – 1-3% discount vs. monthly
- ✓ Build up claim-free years – pay for minor damage yourself
- ✓ Drive fewer kilometers – lower premium for fewer km/year
- ✓ Choose a safe car – lower premium with a good safety class
