All-risk car insurance with the best price

Are you looking for all-risk car insurance with the best price? Then we recommend looking at the car insurance from OHRA. An affordable premium and fully insure your car without unnecessary hassle; do you have a claim? Then report it simply and quickly via the app.

Differences between car insurance policies

Taking out a new car insurance policy starts with finding the type of cover, which best suits your situation. Do you use the car daily, or only sporadically? Do you drive your car in big cities, or mainly on quiet roads? Do you drive the car to holiday destinations outside the Netherlands, or only in your own country? These are questions you can ask yourself, to determine whether third-party insurance is sufficient for you.

Here is a brief explanation of the differences between car insurance policies!

• The Third-party insurance is the most basic car insurance and is compulsory for everyone if you take your car on the road. The Third-party insurance Compensates damage you cause to persons or property with your car. Additional cover varies by insurer.
• WA+ (limited casco) covers more damage. Besides the compulsory Civil Liability, WA Plus car insurance covers a large number of items. An excellent choice if it is not an immediate problem for you to pay the repair costs yourself.
• The name all risk says it all, all the risk will be covered. With All-Risk car insurance (WA full casco), you have the most comprehensive car insurance. Almost all damages to your own car will be covered, even if you are at fault. And you are insured for damage you cause to others. Breakdown abroad? No worries. You get immediate help. Without fuss.

And what about the extras?

Would you like more security? Then one of our additional covers might be for you. You can choose one or more additional covers for your car, your passengers and yourself. You decide what you insure.

There are also several additional coverages you can select, such as:

• accidents occupants, whoever is liable for the damage, thanks to this additional cover the insurer pays a fixed amount.
• damage occupants, damages can go a long way for the driver and occupants. Suppose you are unable to ply your trade after an accident. The additional Occupant Damage cover will then compensate the actual damages of the driver and passengers if you have a car accident, even if you yourself are liable for the damage. This cover is especially interesting for drivers, as passengers are often also compensated for their damages on the third-party cover.
• legal aid, who is at fault in a road accident? Often that is not clear. And then try to get compensation for damages if you had no insurance. For all these tricky cases, you can count on professional legal help with this additional cover.
• breakdown assistance so you are back on the road as soon as possible.

Other discounts?

If you take out car insurance with OHRA, there are also various discounts available. There is the no-claim discount; the more damage-free years, the more no-claim discount. Fair enough! And do you have a second car (or motorbike) that you want to insure? Then you will benefit from the same no-claim discount as for your first car. Keep reading on the OHRA website to learn more about the possible discounts and additional options.

When do you choose which insurance?

In the first place, everyone has to decide this for themselves, but there are of course guidelines. Usually, you insure a new car all-risk for the first 0-5 years. This is because the purchase value and daily value are high and repairing or replacing a damage or vehicle is expensive. After five years, it becomes a different story, because cars depreciate quickly. So suppose your car is still worth 5000 euros after five years, it is probably not wise to insure it for a few thousand euros a year. Of course, make sure you have a buffer to be able to replace or repair the car in case of an accident. In fact, the same goes for third-party and third-party insurance; if your car is really getting on in age (15 years +) and is not a real exotic, third-party insurance is often the wisest choice. If you do cause damage then, the other party's damage is covered and you can buy yourself another car for a few thousand euros.

Good luck picking the right insurance for your car!