Is it compulsory to insure your car?
Yes. As long as a registration is in your name, there has to be third-party liability insurance. The fact that the car is not driven makes no difference.
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The statutory obligation
The Dutch Motor Insurance Liability Act (WAM) ties the insurance obligation to the registration in your name, not to the use. If the registration is in your name, there has to be cover.
The RDW checks that automatically. An uninsured vehicle brings a fine, and on repetition that mounts up.
If the car stands idle
If you are not driving it for a while — winter storage, restoration, a long stay abroad — you can have the registration suspend the registration with the RDW.
During a suspension the insurance obligation lapses, as do the road tax and the MOT obligation. You may not then have the car standing on the public road. It has to stand on your own property.
What if you are not insured
Alongside the fine you bear the full loss you cause. With injury that runs into the hundreds of thousands.
The victim is not left without redress: the Waarborgfonds Motorverkeer pays out and then recovers that amount in full from you.
On sale
The obligation ends as soon as the registration in your name is transferred. Report that to your insurer straight away and keep the indemnity certificate. Without that notification the premium continues.
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Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
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You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
Frequently asked questions
This is what people ask us most.
Do I have to insure my car?
Yes, as long as the registration is in your name, whether or not you drive it.
What if the car stands idle?
You can then suspend the registration with the RDW. The insurance obligation lapses temporarily.
May a car with a suspended registration be parked on the street?
No; it has to stand on your own property.
What does driving uninsured cost?
A fine, plus the full loss you cause.
Does the victim then get nothing?
They do; the Waarborgfonds pays out and recovers that in full from you.
When does the obligation end?
As soon as the registration is transferred; report that to your insurer straight away.