We regularly ask our customers if they are satisfied with us. This is with the aim of improving our services. Below you can see the experiences of customers who recently took out a car insurance on Geld.nl.
1. Enter your car’s information and personal details
Car insurers determine their premium based on the car you want to insure and your personal information, such as your place of residence, age, claim-free years and the yearly number of kilometres you drive. By entering this information on Geld.nl, we can calculate the premium that is best suited to your situation for the various car insurers.
2. Choose your desired coverage
Before you start comparing car insurance policies, we want to know what coverage you want for car insurance. You have three choices: Third party only (WA), Third party, fire & theft (WA+) and Comprehensive car insurance (All risk). In this article you can read how to choose the best level of coverage: 'Which car insurance suits me?'. We give you advice based on which coverage variant suits your car best when you compare car insurances on Geld.nl. This way we can help you to make the right choice.
3. Compare the largest selection of car insurance policies
Based on your information and your preferred level of coverage, we will show you the largest selection of car insurance policies available to you. The cheapest car insurance, with the lowest premium, will always be at the top of the comparison chart. You can adjust the chart with filters based on which criteria you find important.
4. Apply for your new car insurance
After you have found the car insurance of your choice, you can easily apply online. How you apply for the insurance depends on the cooperation we have with the insurer: you can either apply directly via our site, or we redirect you to the insurer's website. Once you have completed the application, you will receive a confirmation by email. The confirmation states whether you have provisional cover. If the insurer gives you provisional coverage, you can hit the road immediately. If not, you will have to wait a little longer until the insurer's final acceptance.
Compare the different Coverages
Are you unsure about choosing between third-party liability insurance (WA), third-party fire and theft insurance (WA+) or comprehensive car insurance (All risk)? View the most important differences between these three types of car insurance here and decide which coverage suits you best!
The largest selection of car insurances to compare in the Netherlands.
With 20 car insurance companies, Geld.nl offers the largest selection of car insurances to compare in the Netherlands. Compare the largest selection of car insurances, choose the best insurance for your car and save an average of € 237 per year.
Cheapest car insurance in November 2024
Insurer
Coverage
Premium / month
WA
€ 12,41
WA
€ 12,83
WA
€ 13,14
WA
€ 14,85
WA
€ 15,03
WA
€ 16,17
WA
€ 16,43
WA
€ 16,64
WA
€ 16,88
WA
€ 18,84
Here are the current premiums for a fictitious scenario to give you an indication/overview of the costs of a car insurance. Do you want to know which insurer offers the lowest premium for your car? Compare now!
Frequently asked questions about car insurances
What are the requirements for a Dutch car insurance?
To be able to qualify for a Dutch car insurance policy you need to meet the following criteria:
You must have a valid European driving license.
Your car must have a valid Dutch license plate.
You need to have Dutch residence permit.
If you meet all these criteria you will be able to apply and be approved for a Dutch car insurance.
How do you compare car insurances on Geld.nl?
Car insurance premiums are different for everyone. That is why we ask you to fill in your personal information and information about your car before comparing car insurance policies. We also need to know what level of coverage you prefer. Based on this, we provide an overview of car insurances that are available to you. The insurance that best suits your needs based on premium and additional terms and conditions is always at the top. To determine this, we give each policy a price/quality score. In addition to the premium, we also look at the following criteria:
Deductible
Compensation for theft / total loss (new value and purchase value scheme)
Replacement vehicle
Free choice of garage in case of damage
Closing costs
Notice period in the first year
Customer service accessibility
€ 40 bol. giftcard via Geld.nl
You can also sort your comparison by premium instead of price/quality. This puts the cheapest car insurance at the top. But watch out! A cheap car insurance does not necessarily have to be the best car insurance for your situation.
How does an insurer determine the premium for my car insurance?
Car insurers look at the following factors to determine how expensive or cheap your car insurance will be:
Your address (premiums even differ per house number with some insurers)
Your age
Your number of claim-free/ NCB, No Claim Bonus years – Do note: Insurers are not required to accept foreign no claim years.
The car you want to insure (make, model, value and security).
The approximate number of kilometres you drive in a year.
The coverage variant (TPO, TPFT, Comprehensive) that you choose.
The car insurance premium is therefore different for everyone. We offer you a tailor-made comparison. Enter your (car) details and preferences when comparing car insurance and you will receive a personalised overview of the premiums. This way you can immediately see which car insurer offers the cheapest car insurance for you.
Which car insurance suits me?
Which coverage suits you best depends on various factors. For example, do you have an older car that has depreciated in value? Then the cheapest third party only insurance may be sufficient for you. Have you just purchased a brand new car, then the most comprehensive coverage (all risk) is the best option. Do note that you should pay close attention to the new value insurance. This insurance ensures that in the event of theft or total loss, you will be compensated by the insurer allowing you to buy the same car again. On this page we give you all the information needed to make the best choice for you and your car.
How do we profit?
Comparing and applying for your car insurance on Geld.nl is a completely free and impartial service. We have made agreements with a number of car insurers, meaning their insurance policies can be signed directly through Geld.nl. There are also a number of insurers we do not collaborate with. Whether or not we collaborate with an insurer has no influence on the results of the car insurance comparison. When you take out a car insurance using our site we receive a compensation from the insurer. This comes at no extra cost to you.
Which car insurers do you compare on Geld.nl?
In our car insurance comparison tool you can compare premiums and terms and conditions for more than 20 car insurers. We offer you the most complete selection in the Netherlands. This means that when you compare car insurance on Geld.nl, you will see insurers that you won't see on other comparison sites. This way you always find the best deal for you and your car.
Not only do we offer the most complete car insurance comparisons in the Netherlands, we are also the most impartial car insurance comparison site. We are not part of any insurance or third party network. Meaning no third party has any influence on us or our comparisons
Furthermore, we also guarantee you the lowest price for your car insurance. Premiums offered through Geld.nl are always comparable to, or even lower than that of the insurer itself!
In addition, we offer unique extras with some car insurance policies, such as:
A discount of up to 15% on your car insurance premium
A free gift with your car insurance
You can immediately see which car insurance policies give you a discount and/or a gift in your comparison.
Have you been with the same insurance provider for a year or more? Then there is a good chance that you are paying too much for your car insurance. This is because car insurers regularly change their premiums, your car has aged another year and you have (hopefully) built up another claim-free year. These are all factors that ensure that the next car insurance you take from another insurer is cheaper.
Comparing car insurances is not only smart when you buy a car. Comparing your car insurance every year and finding the cheapest car insurance with the best conditions will save you an average of 237 euros per year. In some cases this can even amount to almost 600 euros per year. A study commissioned by the Dutch Authority for the Financial Markets (AFM) shows that 92 percent of people who compare insurance and switch found this easy.
Geld.nl and comparing car insurances
Who are we comparing?
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.
How do we make a profit?
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 euros 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.
What do we do for you?
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.
How does our comparison tool work?
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.
5 tips helping you discover the best car insurance at Geld.nl
In addition to low premiums, you also want a car insurance with the best possible terms and conditions. Do you want to know what to pay attention to when searching for an excellent and affordable car insurance? Read the 5 tips for comparing your car insurance here.
Car insurance costs
Exactly how much your car insurance costs depends on a number of factors.
Consider the level of coverage you choose and any additional insurance. Additional information such as your age, address, the approximate number of kilometres you drive per year and the number of claim-free years also influence the costs of your car insurance premium. Lastly, insurers take your car into consideration: heavy, expensive cars obviously cost more to insure than lighter, cheaper cars. In our comparison you can easily find an overview of car insurance policies that match your car, personal situation and wishes.
How to insure your car?
Insurance coverage for your car is an important choice.
It is important to choose the right level of coverage when insuring your car. Choosing an insurance with too much cover will cost you in unnecessarily high premiums. Conversely, choosing to have little coverage will cost you a lot of money in the event of damage to your car. It is therefore very important to choose the right level of coverage. In the Netherlands there are three types of coverage:
Third party Only (TPO) car insurance is the minimum coverage that you are legally required to have. This insurance reimburses damage you cause to others with your car. With this level of coverage you are not insured for damages to your own car. We recommend this coverage for cars that are 10 years or older. Such cars often have depreciated significantly in value. If you take out a more extensive coverage, you will pay a higher premium, whilst receiving little compensation in the event of damage to your own car.
The Third-party, fire & theft (TPFT car insurance, also known as third party liability plus car insurance, covers not only damage to others, but also some types damage to your own car, such as fire damage, window damage and theft. Damage caused to your car for which you are at fault is not covered by this type of insurance. We recommend this coverage if your car is between 6 and 10 years old.
All-risk car insurance, also known as full comprehensive, offers the most comprehensive coverage. This insurance reimburses damage to your own car for which you are at fault. We recommend choosing this level of coverage when your car is less than five years old, if your car still has a high current value or if you paid for the car through car financing.
Something good to know is that when you compare car insurance on Geld.nl, we give you advice about which coverage variant suits your car best. This way we can help you make the right choice.
Coverage
Third Party Only (TPO)
Third party, fire & theft (TPFT)
Comprehensive (all risk)
Damage to others with your car
Theft / burglary
Window damage (asterisk or crack)
Fire / storm
Vandalism
Damage to your own car due to your own fault
Choose additional car insurance
While driving you may also have to deal with things that are not usually covered by regular car insurance. For example, you could get sued by another party, or one of the passengers in your car could get hurt. For instances like as this you can take out additional insurance.
With passenger damage insurance you insure yourself, your passengers and their belongings against damage when in the car. Traffic legal expenses insurance helps you get the damage settled as quickly as possible and receive your compensation.
The cheapest car insurance.
The cheapest car insurance is often the insurance with the most limited coverage: third-party (WA) car insurance.
The less you insure, the cheaper the car insurance. Which insurer offers the cheapest car insurance for your situation (age, address, claim-free years) depends on the coverage and additional insurance you choose. Make a quick comparison on Geld.nl and you will see it immediately!
There are still a few ways to insure your car cheaply:
Pay your premium annually instead of monthly. You often get a few percent discount.
Pay for minor damage yourself. If you claim damage, this will be at the expense of your No Claim Bonus (claim-free) years. This causes your premium to increase. In the event of minor damage, consider covering the costs yourself so that you can retain your claim-free years.
Increase your deductible when expecting no damage. Many insurers offer a discount on your premium as a result.
Best car insurance
In addition to the premium, the terms and conditions of the car insurance are of course also important to compare properly.
Terms and conditions that differ (especially with third-party liability limited comprehensive and all-risk car insurance) are:
New value scheme and/or purchase value scheme
Replacement vehicle in case of damage
Free choice of damage repair
Deductible
Reimbursement for accessories
Insure your car online
Have you found a satisfactory but cheap car insurance policy in our comparison?
Then apply for it within a few minutes. You can take out your cheap car insurance in two ways: either directly via our site, or we will forward you to the insurer's website. Once you have completed the application, you will receive a confirmation by email. The confirmation states whether you have provisional cover. If the insurer gives you provisional coverage, you can hit the road immediately. If not, you will have to wait a little longer for the insurer's final acceptance.
Compare the largest range of car insurance policies
Geld.nl offers you the most complete car insurance comparison in the Netherlands. This way you can be sure that you will find the best and cheapest car insurance for your personal wishes and situation without unnecessarily paying too much in premium.
Cheap car insurance for target groups
For certain groups of people, car insurers apply a surcharge on the premium, because statistically they cause more or fewer claims. On these pages you can read more about calculating car insurance for these groups and what you should specifically pay attention to:
Based on 