Minimum cover · premium factors · the trade-off
What does third-party liability insurance cost per month?
Third-party is the cheapest form because it covers the least: only damage to other people.
Deze pagina in het Nederlands: Wat kost een WA-verzekering per maand?.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
What you get for it
Damage that you cause with your car to others to other people. Your own car is not covered: if you drive into a post, you pay for that yourself.
This is the minimum cover required by law under the Dutch Motor Insurance Liability Act (WAM).
What determines the premium
The same factors as with the other forms: your age and no-claims years, your mileage, the rating group of the car and where you live.
With third-party cover the car weighs less heavily than with own-damage cover, because the value of your own car is not insured.
When third-party cover is enough
For a car with a low market value that you could replace without difficulty. If the car were gone tomorrow and that would not put you in financial trouble, own-damage cover is hard to justify.
Note that with finance the lender usually requires comprehensive cover for as long as the loan is being repaid.
What you miss out on
Theft, fire, storm and glass damage. Those are causes outside your control; for a car worth a few thousand euros, third-party, fire and theft is often a small step up.
Read more
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Frequently asked questions
The questions we are asked most often about this.
What does third-party cover?
Only damage you cause to other people; not your own car.
Is third-party cover compulsory?
Yes, for as long as the vehicle is registered in your name.
When is third-party cover enough?
For a car with a low market value that you could replace without difficulty.
What do I miss with third-party cover?
Theft, fire, storm and glass damage.
Is third-party cover allowed with finance?
Usually not; the lender normally requires comprehensive cover.
What determines the third-party premium?
Your age, no-claims years, mileage and the rating group of the car.
What is covered and what is not
What is covered
| Situation | Third-party liability | Third-party liability + fire and theft |
|---|---|---|
| A stone-chip star in your windscreen that you have repaired | No | Yes |
| Your car is stolen from the drive at night | No | Yes |
| A branch blows onto the roof of your car in a storm | No | Yes |
| You hit a parked car while pulling out of a space | Yes | Yes |
| The damage to your own bumper in that same manoeuvre | No | No |
| Someone scratches a key along your door | No | No |
Weigh the premium against the market value of your car: if that is low, the narrowest cover remains defensible.