Compare car insurance

When comparing car insurance, first determine which coverage best suits your situation and vehicle. Based on that, you can choose a third-party liability insurance (WA) that only covers damage to others, or a more comprehensive WA+ or fully comprehensive insurance that also covers damage to your own vehicle. Then, compare various car insurance options on Geld.nl. Be sure to consider not only the lowest premium but also the policy terms. The deductible and no-claims discount, for example, can affect your overall costs, meaning that the cheapest car insurance might actually turn out to be more expensive in the end.

Take into account these aspects when choosing the best car insurance:

• Deductible: this is the amount you pay yourself in case of damage. A higher deductible lowers the premium, but if you have an accident, you’ll pay more out-of-pocket.
• Notice period: some car insurances can only be canceled after one year, while others allow daily cancellations, giving you more flexibility to switch to another insurer if you wish.
• Purchase value or new value coverage: this determines whether you’ll be compensated for the original purchase price or the current value of your car in case of total loss or theft. Not all insurers offer this option, and the duration can vary.
• Free repair choice: check whether you can choose the garage for repairs or if you're restricted to garages selected by the insurer. Many insurers charge a higher deductible for free repair choice. Learn more in our article ‘Free Repair Choice for Car Insurance’.
• Replacement transport in case of theft or damage: it’s helpful if the insurer offers a replacement vehicle in case of theft or damage, so you remain mobile while your car is being fixed.
• Accessory coverage: if you've added accessories to your car, such as a navigation system or special rims, check if these are covered in case of damage or theft.
• Insurer’s contact options: check how easily you can contact the insurer by phone, email, or chat. Good customer service is crucial in case of damage or questions.
• Check the extras: some insurers offer additional services like roadside assistance for free.

Yes. As soon as you register a car in the Netherlands it is mandatory to be insured, according to the Dutch Motor Vehicle Liability Act. However, it is up to you to decide how comprehensive you want your coverage to be and which additional insurance options you want to choose. The minimum required is liability insurance. If you cause an accident, this insurance covers the damage to others. If you want to be covered in case of damage to your own vehicle, such as theft or vandalism, you can opt for third party, fire & theft or all-risk coverage.

Interested in knowing which car insurance is right for you? Fill in our comparison tool and receive a free comparison on the best and most affordable car insurance options for you.

The premium you pay for your car insurance depends on several factors, such as the type of car you drive, your age, your location, and how many years you have been driving without making claims. Therefore, the costs of car insurance vary for each person. There is no one-size-fits-all cheap car insurance.

Your chosen coverage also affects the price. Depending on your personal situation and preferences, the costs of your car insurance might differ. Wondering if your current car insurance could be cheaper? Let Geld.nl help you find out by calculating your premium and comparing quotes from different insurers, ensuring you get the best deal.

Are you between 18 and 24 years old and want to insure your first car? Comparing car insurance is also a smart way to save money in this case. Insurers see people under 25 as a higher-risk group, which is why young drivers pay significantly more than older drivers with more experience. However, premiums can vary greatly between insurers. Compare the cheapest car insurance for young drivers on our platform!

The best car insurance is different for everyone. It depends on factors such as where you live, your age, how many claim-free years you have, how much you drive, and the size and age of your car. Based on these details, we first assess which coverage suits you best.

Generally, for cars that are 10 years old or older, the basic third-party liability insurance is the most affordable. If your car is between 6 and 10 years old, a more comprehensive third-party, fire, and theft insurance is advisable. For cars that are under 6 years old, an all-risk insurance policy is recommended as it covers nearly all types of damage. Once you have determined your desired coverage, you can then compare all available car insurance options that match your needs.

Refine your results for the best deals

You can easily filter the various insurance options based on the criteria that matter most to you. If you're primarily looking for a cheap car insurance policy, sort by the lowest premium to immediately see the most affordable options for you. If you want the best balance of price and quality, sort by the best value for your premium. This way, you'll find the absolute cheapest car insurance with the conditions that matter most to you, ensuring you choose the best new car insurance policy!

Do you also want to find a good and affordable car insurance policy via Geld.nl? Use our comparison tool and have your affordable car insurance calculated.

You can request this information from your current or previous car insurer. Your no-claim years are recorded in the central Roy-data database, which every insurer in the Netherlands is connected to. If you switch insurers, you can transfer the no-claim years from your old insurance policy to the new one.

The central system that tracks these no-claim years is currently being updated. In the future, the no-claim years will be visible in real-time, not only when switching insurers. Since the development of this new system has been delayed, it's unclear when this will be implemented.

If you switch your car insurance, make sure your new insurer correctly transfers your no-claim years. This way, you’ll receive the correct discount on your premium.

Company car

If you've driven a company car, ask your employer for a statement detailing the number of no-claim years and bring it with you to your new car insurance. You must have been the sole driver of the vehicle for this to apply.

As a comparison site, we know that comparing your car insurance every year is the quickest way to save on your car insurance. But we also have some other advice to help you save:

• Pay your premium annually: paying for your car insurance in one lump sum for the whole year often results in a discount of a few percentage points on the premium.
• Pay small damages yourself: if you make a claim for damage, it will affect your no-claim years, causing your premium to rise.
• Increase your deductible: if you drive infrequently, consider increasing your deductible. Many insurers offer discounts on the premium if you do.

Switching car insurance is easy and can often result in a lower premium. Start by comparing car insurance options on Geld.nl. Once you find the policy that suits your car best, you can sign up for it directly through our website. After that, cancel your current car insurance.

Most insurers allow instant cancellations. Some may even offer help in switching insurers, where they handle the cancellation of your current policy for you, making the process even easier. Always check the terms of cancelling your old policy to avoid being double insured.

Want more details on switching? Read 'What to keep in mind when switching car insurance.'

With some insurers, you can only cancel your car insurance after the first year of your contract, while others allow cancellation from day one. The cancellation notice period varies, ranging from a month to a daily cancellation option.

If your car is sold, stolen, or scrapped, you can often cancel the insurance immediately. Additionally, if your insurer raises your premium, you can also cancel your policy right away.

You are also entitled to a 14-day cooling-off period during which you can cancel the policy without incurring any costs.

No, an insurer is not obligated to accept your application for car insurance. Insurers have the discretion to decide which customers they want to insure and can reject an application for various reasons, such as a poor claims history or a record of non-payment.

However, if one insurer rejects your application, it does not mean that other insurers will do the same. In such cases, you can refer to our car insurance comparison tool to find another insurer that might offer you the best alternative and apply for a cheap car insurance policy there.

When you purchase a car, you apply for car insurance. Since it may take a few days for your application to be fully processed and approved, insurers typically offer temporary coverage. This ensures your car is immediately insured after submitting your application, even if your policy hasn't been finalized yet.

This provisional coverage allows you to drive without concern while the insurer assesses your application. If your application is approved, you will receive your official policy.

At Geld.nl, we clearly explain which insurers offer temporary coverage and how to obtain it when taking out your car insurance.

A car insurance policy with a deductible means that in the event of damage to your own car, you pay a portion of the costs yourself before the insurer reimburses the remaining amount. This type of insurance with a deductible can only be taken out with a third-party, fire, and theft insurance or an all-risk car insurance policy. The basic third-party liability insurance only covers the damage you cause to others' vehicles or property and does not cover any damage to your own car. Therefore, a deductible does not apply to this type of policy.

Lower premium versus higher deductible

The terms of the deductible vary depending on the insurance policy, but it is usually paid per claim. Generally, the higher the deductible, the lower your monthly premium will be. This is appealing if you want to reduce the cost of your car insurance, but it also means that in the event of damage, you'll have to pay more out of pocket.

Therefore, weigh the lower premium against the amount you would have to pay in the event of a claim. Also, keep in mind that certain types of damage, such as glass damage, may have a different deductible.

The premium for car insurance is different for everyone. That's why we ask you to fill in some details about yourself and your car when comparing car insurance. We also ask which coverage you prefer. Based on that information, we provide you with an overview of the possible car insurance options for you. The cheapest car insurance will be listed at the top.

Curious if that cheap insurance is the best choice? You can sort the comparison by the best price/quality ratio to see which car insurance offers the best value in terms of both premium and terms.

When determining the price/quality score of car insurance, we consider the following factors in addition to the premium:

• Deductible;
• Compensation for theft or total loss;
• Replacement vehicle;
• Freedom of choice in damage repair;
• Administration fees;
• Cancellation terms in the first year;
• Telephone accessibility.

Yes, it is possible to insure your car in the Netherlands as a non-Dutch resident, but there are some conditions you should be aware of. Many Dutch insurers require that the car is registered in the Netherlands and that you have a Dutch address or a Dutch residence permit. Some insurers may also ask for a Dutch bank account for payment.

On Geld.nl, you can easily compare car insurance quotes to see which insurer best meets your needs.

There are many different car insurers, each with its own premiums and terms. Comparing all car insurance options yourself can be quite a task. Fortunately, Geld.nl has made choosing the right car insurance much easier. With our independent comparison, you can compare the widest range of car insurance offers in the Netherlands in just one minute. This way, you’ll find the best car insurance at the lowest premium!

Why compare your car insurance? Here's why:

• Big premium differences: the cheapest and most expensive car insurance can vary significantly in premium. For example, in The Hague, this difference is more than €60 per month! With just a little comparison, you'll quickly find the most affordable car insurance for you.
• Adjust coverage: your car gets older every year, and thus decreases in value. In our comparison, you’ll see if switching to a lower coverage is a smart move. This way, you won’t pay an unnecessarily high premium while receiving little compensation in case of a total loss.
• Changes in premiums and terms: every year, there are changes in the premium and terms of your car insurance. This means your current policy might be much more expensive than it was last year. Comparing car insurance is the best way to see if your current insurance is still the best option.
• Free: comparing your car insurance is free. In fact, our customers save an average of up to € 260 per year. And when you switch via Geld.nl, you also get two free car wash coupons!

Currently, car insurance premiums are rising significantly. The average premium for car insurance is already over 10% higher than at the beginning of 2023. Causes for this increase include rising claims costs, higher repair costs, and inflation. As cars become more advanced and parts become more expensive to replace, we expect this upward trend to continue this year. At the same time, the differences in premiums between insurers are also increasing. For example, the difference between the cheapest and most expensive third-party liability car insurance is more than € 73 per month. Comparing car insurance helps in finding the best and cheapest car insurance for you.

Insurers look at several factors when determining the premium for your car insurance, such as:

• Car type: insuring a new, heavy car is more expensive than insuring an older, lighter model.
• Age: insurers see young drivers as a higher-risk group because they are more often involved in accidents. Therefore, in general, the older you are, the lower your premium. From the age of 70, your premium increases again.
• Place of residence: if you live in an area with few claims, car thefts, or vandalism, your premium will be lower. It also matters whether you live in the city or in a rural area. In busy areas, the risk of damage is higher.
• Number of kilometers driven: the more kilometers you drive per year, the higher the risk of damage. Thus, the higher your premium.
• Claim-free years: if you drive without making claims for a long period, you'll receive a discount on your premium. Be careful! If you've accumulated many claim-free years and don't want to lose them, add a no-claim protection to your policy. This allows you to make one claim per year without losing your claim-free years.
• Chosen coverage: the more comprehensive the coverage, the higher the premium. Therefore, a third-party liability insurance is usually the cheapest option, while an all-risk policy is the most expensive.
• Fuel type: an electric car is more expensive to insure than a hybrid or fuel car. This is because the parts of an electric car are the most expensive to repair. Also, electric cars are often heavier. For heavier cars, insurers expect more damage per accident, which leads to a higher premium.

You start by comparing your car insurance by determining which coverage suits you. If you drive an older car with a low market value, third-party liability insurance (WA) is often the best and cheapest choice. WA stands for legal liability. This insurance is the minimum you must have as a driver. A WA insurance only covers the damage you cause to other vehicles. This is sufficient if your car is older and has already significantly depreciated in value.

With the more extensive coverage of a third-party, fire, and theft (WA limited comprehensive) insurance, your own car is protected against theft, window damage, storm damage, and burglary. And if you’ve just bought a new car, it’s better to go for fully comprehensive (all-risk) insurance. This offers the most extensive coverage, including damage to your own vehicle, even if you caused it yourself. Want to know more? Read 'Which car insurance suits me?' to learn how to choose the best coverage.

In addition to cheap car insurance, you can also find additional car insurance options at Geld.nl. With the additional coverage of these insurances, you cover various risks of driving a car. This protects you from unexpected costs.

These are the most commonly chosen additional coverages:

• Legal assistance insurance: this additional insurance provides legal help if you encounter a conflict after an accident, such as determining who is responsible or how much damage you will be reimbursed. Knowing that you can rely on legal assistance when needed gives peace of mind.
• Passenger insurance: this additional insurance covers damage to people and property in your car, even if you caused the accident. The insurance covers medical expenses for you and your passengers, as well as damage to personal belongings. Passenger Insurance is therefore an accident insurance specifically for injuries from a car accident.
• Roadside assistance: with roadside assistance insurance, you can quickly get back on the road in the event of a breakdown, both in the Netherlands and abroad. This can range from on-site repairs to replacement transport or a hotel stay. At Geld.nl, you can compare different roadside assistance services. This ensures that you always receive the best help, wherever you are.
• No-claim protector: with this, you can claim damage once a year without it affecting your no-claim years or the premium you pay. You retain the discount you've built up, even after an accident.
• Accessories: many car insurers automatically reimburse accessories in your car up to a certain amount, often a maximum of € 1,000. If you have accessories worth more than this amount, you can sometimes insure them additionally with an accessory insurance. In our comparison tool, you can easily see up to what amount an insurer covers accessories.

On Geld.nl you can compare the most complete range of car insurance policies in the Netherlands. This means that in the comparisons on Geld.nl you see insurers that you don’t see on other comparison sites. This is why you can be sure that you will find the best and cheapest car insurance pertaining to your situation on Geld.nl. The complete overview of insurers that we include in our car insurance comparison can be found here: overview of car insurers.

You can compare car insurance policies on Geld.nl completely free of charge. We have made agreements with many insurers so that you can apply for the car insurance of your choice directly during the comparison process. For taking out car insurance, we receive compensation from the insurer of an average of € 37.50 per year per insurance.

There are some insurers that we don’t work with. However, this has no influence on the results of the car insurance comparison.

We offer you a 100% impartial car insurance comparison. We show you the car insurance policies that are available based on your wishes and preferences. You then compare and choose which car insurance you want to apply for. You can usually apply for the car insurance of your choice directly online. We also have certified experts available to answer all your questions and help when you make a comparison.

But that is not all. We give a part of our earnings back to you. We do this by giving you a gift when you take out a car insurance using Geld.nl. In addition, we offer you unique discounts up to 15% off the premium on some car insurance policies.

Are you switching car insurance? Then we are not allowed to cancel your current car insurance for you. We however do offer you our convenient switching service through which you can cancel your old car insurance yourself.

Before you make a car insurance comparison, we first ask you to provide us with relevant information about you and your car. You also choose what level of coverage you want for your car insurance. We will then show you the car insurance policies that are available to you based on this information.

You will always see the cheapest car insurance, with the lowest premium, at the top of your comparison. You can also sort the car insurance policies yourself by price/quality.

Furthermore, you can use the filters to adjust the comparison based on criteria you consider important such as coverage and payment term. This way you will always find a suitable and cheap car insurance for your situation and wishes.