Car insurance through NH1816

That depends on what was withheld, and on whether the insurer would have accepted the policy on different terms, or not at all, had it known. Article 7:930 of the Dutch Civil Code works on a sliding scale: from payment in full, through a proportionate reduction, to no payment at all where there was an intent to mislead. If you spot an omission yourself, report it even at this stage. Correcting things afterwards is almost always better than sitting tight.

The occasional trip is not a problem with most insurers, but regular use is. If he drives weekly or daily, he is in fact the regular driver, or at the very least a named driver, and that has to be on the policy schedule. If you report it, you pay a higher premium; if you do not, you risk carrying the whole loss after a collision.

After the first year, car insurance can usually be cancelled on any day with one month's notice. Within the first contract year you are normally tied in, unless the insurer changes the conditions or the premium during the term. We do not arrange the cancellation until the new insurer has accepted you, so that no gap in cover arises.

In the policy conditions that go with your policy schedule, plus the special clauses on the schedule itself. The insurance card (verzekeringskaart) gives a summary of the main points, but it is not the legal text. How to read those documents and compare them is explained under reading insurance cards and finding your policy conditions.