WAM · registration in your name · suspension

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.

Deze pagina in het Nederlands: Is het verplicht om uw auto te verzekeren?.

The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.

Work out for yourself what it would cost.

We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
We arrange the switch, including cancellation

Request a quote

A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

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 &mdash. 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.

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.

What is covered and what is not

What is covered

Situation	Third-party liability	Comprehensive
While reversing you bend your neighbour's gate	Yes	Yes
Your own bumper is damaged because you hit a parking bollard	No	Yes
Your car is stolen from the drive at night	No	Yes
A summer hailstorm dents the bonnet	No	Yes
Your suspended car burns out in the shed on your own property	No	Provided that
The fine because the registration stood uninsured in your name for three months	No	No

Even without insurance you still owe the victim's loss. This table is only about who ultimately pays it.

Is it compulsory to insure your car?

The statutory obligation

If the car stands idle

What if you are not insured

On sale

Read more

Within Autoverzekering

Similar pages

Also relevant

Service

Frequently asked questions

What is covered and what is not

Is it compulsory to insure your car?

The statutory obligation

If the car stands idle

What if you are not insured

On sale

Read more

Within Autoverzekering

Similar pages

Also relevant

Service

Frequently asked questions

What is covered and what is not

Privacy Settings

Functional

Preferences

Statistics

Marketing