Premium factors · differences · comparing
What does car insurance cost?
There is no standard price. What you pay depends on a handful of factors that together vary widely.
Deze pagina in het Nederlands: Wat kost een autoverzekering?.
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 determines the premium
The car: list price, weight and power determine the rating group.
The driver: your age, where you live and above all your no-claims years.
The use: annual mileage and whether you drive privately, commute or drive for business.
The cover: third-party liability, third-party fire and theft or comprehensive, and the excess chosen.
Where the biggest differences lie
Between third-party liability and comprehensive there is often a factor of two to three. That is the biggest lever you control yourself.
No-claims years make a difference over the years that runs up to a discount of seventy to eighty per cent.
A new driver with no years pays a multiple of what someone with a long claim-free history pays in the same car.
What comes on top
Alongside the premium you pay insurance premium tax of 21 per cent. It is shown separately on your policy and applies to virtually all general insurance.
How to compare
Work out the total annual cost : premium plus tax plus the excess you would bear on one claim. A lower premium with a substantially higher excess is not always cheaper.
Read more
Within Autoverzekering
- Autoverzekeringthe main page
- Ontdek hoe no claim kortingen de nederlandse autoverzekering beinvloeden
- What does third-party liability insurance cost per month?
- Wat betaal je als beginnend bestuurder voor een autoverzekering
- Het belang van een autoverzekering voor nieuwe bestuurders
- Autoverzekering jonge bestuurder
- How can you make your car insurance cheaper?
Similar pages
- What does third-party liability insurance cost per month?
- What does a new driver pay?
- Why is car insurance so expensive?
- No-claims years and no-claims discount
- What does car insurance cost for a new driver?
- Putting together affordable car insurance
- Car insurance for new drivers
- Car insurance for a young driver
Frequently asked questions
The questions we are asked most often about this.
What determines my premium?
The car, your age and no-claims years, your mileage and the cover chosen.
How much difference does comprehensive make?
Often a factor of two to three compared with third-party liability.
How much discount do no-claims years give?
With a long history, rising to seventy or eighty per cent.
Do I pay tax on the premium?
Yes, 21 per cent insurance premium tax.
What do I compare on?
On the total annual cost including the excess, not on the premium alone.
Why do I pay so much as a new driver?
Because you have no no-claims years and fall into a group with more claims.
What is covered and what is not
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| You scrape the concrete pillar of a car park | No | Yes |
| A branch falls on the bonnet during a storm | No | Yes |
| The driver in front of you is injured because you run into the back of them | Yes | Yes |
| Your car is written off by an other party with no insurance | No | Yes |
| Damage to your car during driver training on a circuit | No | No |
| A tin of paint tips over in the boot and ruins the upholstery | No | Provided that |
Only the third-party liability cover is required by law; every layer above it is a balance between premium and the value of your car.