Choose car insurance (in Dutch: autoverzekering aanvragen)

A car insurance is mandatory in the EU for anyone who owns a car. This must be a car insurance with an insurer or intermediary. A car insurance is a broad term for a range of insurance aimed at damage to or caused by their own car insurance. The car insurance is compulsory in the Netherlands and Belgium liability regulated by the Motor Law (WA).
Choosing a car insurance is tricky, because there are many providers and who decides what is now the best insurance for you? In the end, only you can decide that!

The following terms apply to not only to car insurances, but also to others types of insurance.

Premium: A premium is considered what you pay the insurance company in exchange for the coverage you get in return. This is what they charge you either monthly, twice-yearly, or annually.

Claim. A claim is a request for payment based on the terms of the insurance policy. Note that If you have an accident (regardless of who's fault it is) you should always notify your insurance company and file a so called "claim".

WA car insurance

The Civil Liability car insurance is the minimum insurance that car owners should have when they come onto the road. A WA Car insurance works like this: any damage caused to the owner of the car not compensated. Only damage to other cars involved will be reimbursed.
Car owners often decide only to have a WA car insurance when they own cars that are old (over 6 years).

Casco WA

The WA Casco car insurance is a car insurance that's right in between a WA car insurance and an all-risk insurance. A number of events is covered by the WA Casco car insurance. This varies by insurer, so it's important to always see what is and is not covered. Also for the Casco insurance liability a deductible is applied.

Drivers purchase car insurance to protect their car, to meet the state's insurance requirements, and to be protected if they are responsible for damages in an incident. The minimum requirements in each state provides liability insurance to pay for damages to the driver you hit in an accident and to pay for their car or property. Liability insurance does not offer any protection for damages you incur to your own person and property. When you are involved in an accident, many things are affected including your family, financial assets like your house, as well as your own vehicle. Getting the right coverage can help protect your family and your assests.

Before purchasing auto insurance, you must consider a variety of factors which apply to you. These include: what kind of car you have, your past driving record and your budget. Understanding the simple basics of auto insurance will make you confident that the car insurance policy you choose will take care of your needs in the event of an accident.

In this article, we will walk you through the types of coverage that insurance companies offer and discuss possible insurance needs. Additionally we will look at what affects the price of auto insurance, how to bring the costs down and how to understand the components of your policy.

The RDW (Rijksdienst voor het Wegverkeer, Dutch) commenced stricter checks on drivers without auto insurance since November. In the Netherlands, there are an estimated 250,000 uninsured cars. Anyone who drives uninsured receives a written warning before the end of the year.

Next year, RDW hopes to run full enforcement. If the Mulder Act adopted by the Senate (Eerste Kamer), the public prosecutor is allowed to use the system of the RDW to summon owners of uninsured cars. The penalty for this comes at a price of 380 euros.

The fines which are currently being issued by the CJIB come from random sample checks. This means that there are still many cars driving around uninsured. If you yourself are hit by an uninsured car, you can recover damages in the Motor Traffic Guarantee (Waarborgfonds Motorverkeer).