Car damage: insurance or pay yourself?

Zelf de schade betalen kan soms voordelig zijn. Zeker bij kleine schade is het de moeite waard om de kosten zelf te dragen en de verzekeringsmaatschappij niet in te schakelen. Hiermee voorkom je dat je niet achteruit gaat in schadevrije jaren en behoud je de korting (no-claim korting) op de premie. Maar wanneer kan dit uit?

Autoschade, claimen of niet?

Een ongeluk zit in een klein hoekje. Een moment van onoplettendheid en het kwaad is geschied. Er hoeft niet eens sprake te zijn van grote ongevalsschade om te balen van gereden schade. Wat er ook gebeurt, het is altijd te hopen dat er geen schade aan mensen is toegebracht. Dit is de eerste prioriteit die aandacht behoeft, al het andere kan worden geregeld. Hetzij via een verzekering, hetzij door zelf de schade te betalen.

car damageOm duidelijk te krijgen of het de moeite waard is om de schade zelf te betalen, is het verstandig om bij schade eerst contact op te nemen met je verzekeraar. De verzekeraar kan berekenen welk effect het claimen van de schade op je schadevrije jaren (en dus premie) heeft en of het de moeite waard is om de schade zelf te betalen of via de verzekeraar te factureren. Als je een schade meldt, kun je er van uit gaan dat dit je ongeveer 5 schadevrije jaren kost. Dit kan een flinke invloed hebben op je maandelijkse premie.

Effect op de verzekeringspremie

Wil je weten wat het claimen van de schade op jouw verzekeringspremie heeft? Neem dan contact op met je verzekeraar, op de website of in de polis die je hebt ontvangen van de verzekeringsmaatschappij kan je vaak een tabel vinden waarin de premies en kortingen weergegeven zijn. Laat je hierin dus goed voorlichten door jouw verzekeraar. Er bestaan uiteraard verschillen tussen de verzekeraars waardoor een algemene berekening niet mogelijk is. Om een voorbeeld te geven nemen we het volgende (kleine) schadegeval:

Je hebt kleine schade opgelopen bij het inparkeren. Na een bezoek aan de garage blijkt dat het 250,- kost om dit te laten herstellen, is het slim om dit op je all-risk verzekering te claimen?

Je hebt al flink wat schadevrije jaren opgebouwd en je krijgt 75% korting op je premie. Dit komt neer op € 52,- per maand, of te wel € 624,- per jaar. Als je de schade claimt ga je 5 schadevrije jaren terug en zal je korting dus minder worden. Je krijgt nu geen 75% maar slechts 62,50% korting, hierdoor gaat de maandelijkse premie naar € 78,- per maand, of te wel € 936,- per jaar. Dat is een stijging van € 312,- in het eerste jaar, zoals je kunt zien is dat dus meer dan wanneer je de schade van € 250,- zelf betaald. In dit geval is het dus niet verstandig om de schade in te dienen bij je verzekeraar maar het uit eigen zak te betalen.

Dit is een simpel rekenvoorbeeld, maar geeft globaal aan dat het belangrijk is om de gevolgen van een claim goed in kaart te brengen.

Eigen risico?

Hou ook rekening met het eigen risico. In sommige gevallen worden de volledige kosten vergoed maar het kan ook zijn dat er sprake is van een eigen risico waardoor de rekensom natuurlijk ook anders uitpakt. Controleer dus eerst of er een eigen risico is en zo ja, hoe hoog deze is voordat je een schadeclaim indient bij je verzekeraar.

Later toch besluiten om zelf de schade te betalen? Draai de claim terug

Heb je de schade geclaimd bij de verzekeraar maar wil je dit later terugdraaien? Dit omdat de kosten bijvoorbeeld lager uitvielen dan je had verwacht of omdat de claim toch wel erg veel invloed had op jouw premie? Dat is mogelijk. Je kan dan contact opnemen met je verzekeraar en met terugwerkende kracht alsnog de kosten voor eigen rekening nemen. Neem hiervoor contact op met je verzekeraar en zorg ervoor dat je de ontvangen schadevergoeding weer terugbetaald aan de verzekeraar.

Dus, wanneer wel de schade claimen bij de verzekeraar?

Grof gezegd kan je het beste de autoschade bij je verzekeraar claimen zodra:

  • de gereden schade niet jouw schuld is
  • de kosten voor de reparatie zo hoog zijn dat je ze niet zelf kan (of wilt) betalen
  • je een groot aantal schadevrij jaren hebt, en dat het effect op de korting minimaal is
  • als je een no-claim-beschermer hebt afgesloten. Met een no-claim-beschermer is het mogelijk om per verzekeringsjaar één schade bij de autoverzekering te claimen terwijl je de premiekorting behoudt.

En je kan het beste de schade zelf betalen wanneer:

  • de kosten aan de lage kant zijn en je dit prima zelf kan betalen
  • de reparatiekosten even hoog zijn als het eigen risico
  • wanneer de kosten voor de reparatie lager zijn dan de stijging van de premie wanneer je de schade wel zou claimen

Hoe hoog zijn de kosten van de reparatie?

Uiteraard is het belangrijk om eerst te bepalen wat de kosten zijn. Of je nu schade hebt gereden bij de lokale Albert Heijn en je wilt weten wat de kosten voor blikschade zijn, of ben je net terug van een vakantie aan het Gardameer en ben je op zoek naar de herstelkosten voor hagelschade reparatie? Het is belangrijk om eerst te weten hoeveel je ongeveer kwijt bent aan het schadeherstel voordat je een goede afweging kan maken. Denk erom dat je eerst goed kijkt welke garages aangesloten zijn bij jouw verzekeraar, dit kan je bij de garage navragen of bel eerst met jouw verzekeraar om verrassingen achter te voorkomen.

Damage caused by car wash

Imagine, you drive your car through the car wash and after your car is all shiny again, you notice there is a scratch in your car. Who is liable for this damage, the car wash or you? And what should you do to get the settlement right? When is the...

Wanneer is de wasstraat verantwoordelijk?

Als er schade aan je auto komt in de wasstraat en het is niet jouw fout, dan moet de eigenaar van de wasstraat dit vaak oplossen. Dit gebeurt bijvoorbeeld als de wasstraat niet goed werkt of als je verkeerde instructies krijgt. De eigenaar moet zorgen dat alles veilig werkt. Ook als een medewerker per ongeluk jouw auto beschadigt, bijvoorbeeld bij het drogen, is de wasstraat verantwoordelijk. Als dit gebeurt, kun je vragen of de wasstraat de schade betaalt. Als je problemen krijgt hiermee, kan een rechtsbijstandsverzekering helpen.

Wanneer ben jij als bestuurder verantwoordelijk?

schade door wasstraatSoms ben jij als bestuurder zelf verantwoordelijk voor schade. Dit is het geval als je niet doet wat de wasstraat zegt, of als je je auto niet goed klaarmaakt. Bijvoorbeeld als je de spiegels niet inklapt. Dan moet je zelf de schade betalen. Het is belangrijk dat je doet wat moet en let op wat niet mag. Let dus altijd goed op de instructies en borden in de wasstraat. Dit helpt om problemen te voorkomen.

Wat dekt je autoverzekering?

Heb je schade aan je auto door de wasstraat, maar is het je eigen schuld? Dan vergoedt je autoverzekering alleen de kosten als je allrisk verzekerd bent. Een allriskverzekering, de meest uitgebreide verzekering, dekt zowel de schade die je aan andere voertuigen aanbrengt als aan je eigen auto. Het is echter wel belangrijk om je polisvoorwaarden zorgvuldig door te lezen om zeker te zijn van de dekking. Bovendien krijg je mogelijk te maken met eigen risico.

Schade claimen of zelf betalen?

Bij schade in de wasstraat is het niet altijd slim om schade te claimen. Volgens www.geld.nl heeft het claimen van schade invloed op je schadevrije jaren en no-claimkorting, wat leidt tot een hogere premie. Als je veel schadevrije jaren en een hoge no-claimkorting hebt, kan het financieel voordeliger zijn om kleine schades zelf te betalen. Dit voorkomt een stijging in de verzekeringspremie. Overweeg zeker bij kleine schades dus of je de schade claimt of zelf betaalt.

All-risk car insurance with the best price

Ben je op zoek naar een all risk autoverzekering met de beste prijs? Dan adviseren wij om eens te kijken naar de car insurance van OHRA. Een betaalbare premie en zonder onnodig gedoe je auto volledig verzekeren, heb je een keer schade? Meld het dan simpel en snel via de app.

Verschillen tussen autoverzekeringen

Een nieuwe autoverzekering afsluiten begint bij het zoeken naar het type dekking, wat het beste bij jouw situatie past. Gebruik je de auto dagelijks, of slechts sporadisch? Rijd je met de auto in de grote stad, of juist voornamelijk op rustige wegen? Rijd je met de auto naar vakantiebestemmingen buiten Nederland, of slechts in eigen land? Het zijn vragen die je jezelf kunt stellen, om te bepalen of een WA-verzekering voor jou voldoende is.

Hieronder nog even kort een uitleg over de verschillen tussen de autoverzekeringen!

  • The Third-party insurance is de meest basis autoverzekering en is voor iedereen verplicht als je met je auto de weg op gaat. De Third-party insurance vergoedt schade die je met je auto aan personen of goederen veroorzaakt. Aanvullende dekkingen verschillen per verzekeraar.
  • WA+ (limited casco) dekt meer schade. Naast de verplichte Wettelijke Aansprakelijkheid dekt de WA Plus autoverzekering een groot aantal onderdelen. Een prima keuze als het voor jou niet direct een probleem is om zelf de reparatiekosten te betalen.
  • The name all risk zegt het al, al het risico zal gedekt worden. Met de All-Risk autoverzekering (WA volledig casco) heb je de meest uitgebreide autoverzekering. Bijna alle schades aan je eigen auto worden vergoed, ook als je hier zelf schuldig aan bent. En je bent verzekerd voor schade die je bij anderen veroorzaakt. Heb je pech in het buitenland? Geen zorgen. Je krijgt direct hulp. Zonder gedoe.

En hoe zit het met de extra’s?

Wil je graag meer zekerheid? Dan is een van onze aanvullende dekkingen misschien iets voor jou. Zo kun je voor je auto, maar ook voor je inzittenden en jezelf één of meer aanvullende dekkingen kiezen. Je bepaalt zelf wat je verzekert.

Ook zijn er diverse aanvullende dekkingen die je kan selecteren, zoals:

  • ongevallen inzittenden, wie er ook aansprakelijk is voor de schade, dankzij deze extra dekking betaalt de verzekeraar een vast bedrag.
  • schade inzittenden, de schade kan voor de bestuurder en inzittenden heel ver gaan. Stel dat je na een ongeluk je vak niet meer kunt uitoefenen. De extra dekking Schade Inzittenden vergoedt dan de werkelijke schade van de bestuurder en passagiers als je een auto-ongeluk hebt, ook als je zelf aansprakelijk bent voor de schade. Deze dekking is vooral interessant voor bestuurders, want passagiers krijgen hun schade vaak ook vergoed op de WA-dekking.
  • rechtsbijstand, wie is er schuldig bij een verkeersongeluk? Vaak is dat niet duidelijk. En probeer dan maar eens de schade vergoed te krijgen als je die niet verzekerd had. Voor al deze lastige zaken kun je met deze extra dekking rekenen op professionele juridische hulp.
  • pechhulp zodat je weer zo snel mogelijk onderweg bent.

Andere kortingen?

Als je een autoverzekering afsluit bij OHRA zijn er ook verschillende kortingen beschikbaar. Zo is er de no-claimkorting, hoe meer schadevrije jaren hoe meer no-claim korting. Wel zo eerlijk! En heb je een tweede auto (of motor) die je wilt verzekeren? Dan profiteer je van dezelfde no-claimkorting als voor je eerste auto. Lees vooral verder op de site van OHRA om je te verdiepen in de mogelijke kortingen en aanvullende opties.

When do you choose which insurance?

In de eerste plaats moet iedereen dit voor zichzelf bepalen, maar er zijn natuurlijk wel richtlijnen. Doorgaans verzeker je een nieuwe auto de eerste 0-5 jaar allrisk. Dit komt omdat de aanschafwaarde en dagwaarde hoog liggen en het herstel of vervangen van een schade of voertuig duur zijn. Na vijf jaar wordt het een ander verhaal, omdat auto’s nou eenmaal snel afschrijven. Dus stel dat je auto na 5 jaar nog 5000,- euro waard is, dan is het waarschijnlijk niet verstandig om deze voor een paar duizend euro per jaar te verzekeren. Zorg er natuurlijk wel voor dat je een buffer hebt om de auto bij een ongeval door schuld te kunnen vervangen of herstellen. Hetzelfde geldt eigenlijk voor WA en WA Casco, als je auto echt op leeftijd raakt (15 jaar +) en geen echte exoot is, dan is een WA verzekering vaak de verstandigste keuze. Indien je dan wel schade veroorzaakt wordt de schade van de tegenpartij gedekt en kun je zelf voor een paar duizend euro een andere auto kopen.

Veel succes met het uitkiezen van de juiste verzekering voor jouw auto!

The Invisible Wounds: A Personal Injury Lawyer on Intangible Damages

In this article, a personal injury lawyer speaks on the subject of immaterial damages. A topic that can come up in a traffic accident, read on quickly to find out how a personal injury lawyer can be of service to you. Intangible damages...

Immateriële schade

Als letselschade advocaat sta ik dagelijks cliënten bij die niet alleen fysiek, maar ook emotioneel en psychologisch gewond zijn geraakt door een ongeval of incident. Deze vorm van leed, bekend als immateriële schade, is vaak minder zichtbaar dan de fysieke verwondingen, maar kan een minstens even diepgaande impact hebben op het welzijn van het slachtoffer.

Immateriële schade, ook wel ‘smartengeld’ genoemd, is de vergoeding voor pijn, verdriet en verlies aan levensvreugde die iemand lijdt als gevolg van een ongeval of misdrijf. Het is een compensatie voor niet-financiële verliezen en kan betrekking hebben op zowel psychische als emotionele schade.

Immateriële SchadeDe uitdaging bij immateriële schade is de kwantificering ervan. Hoe bepaal je de waarde van nachtmerries, angstgevoelens, depressie, of het verlies van het vermogen om te genieten van hobby’s en tijd met dierbaren? In tegenstelling tot materiële schade, zoals medische kosten of verlies van inkomen, is er geen directe financiële maatstaf voor deze schadepost.

In de rechtspraktijk wordt immateriële schade vastgesteld aan de hand van jurisprudentie en richtlijnen van de Letselschade Raad. Er wordt gekeken naar de aard en ernst van het letsel, de duur van het herstel, de impact op het dagelijks leven, en de mate van schuld van de veroorzaker.

Het zichtbaar maken van onzichtbare wonden

Een belangrijk aspect van mijn werk is het zichtbaar maken van deze onzichtbare wonden. Dit vereist een zorgvuldige en empathische benadering. Het is essentieel om een vertrouwensband op te bouwen met mijn cliënten, zodat zij zich comfortabel voelen om hun ervaringen en gevoelens te delen. Deze informatie is cruciaal om een reële schadevergoeding te kunnen claimen.

Daarnaast werk ik samen met medische experts en psychologen om de omvang van de immateriële schade te beoordelen. Zij kunnen een professioneel en objectief oordeel geven over de psychische gevolgen van het letsel.

Het verkrijgen van een rechtvaardige vergoeding voor immateriële schade is een complex proces, maar het is een essentiële stap in de heling van het slachtoffer. Het erkent niet alleen het leed dat hen is aangedaan, maar biedt ook een vorm van gerechtigheid.

Als letselschade advocaat streef ik ernaar om de stem van mijn cliënten te zijn in een systeem dat vaak overweldigend en onpersoonlijk kan aanvoelen. Het is mijn taak om ervoor te zorgen dat hun immateriële schade serieus wordt genomen en dat zij de compensatie ontvangen die zij verdienen voor de onzichtbare wonden die zij hebben opgelopen.

Het is belangrijk dat slachtoffers van letselschade zich bewust zijn van hun recht op vergoeding voor immateriële schade. Het is een erkenning van hun pijn en lijden, en een cruciale stap op weg naar herstel. Als uw advocaat ben ik toegewijd aan het bevechten van uw recht op deze essentiële vorm van genoegdoening.

Taking out motorbike insurance? Everything you need to know

Whether you are a passionate motorcyclist or considering buying a motorbike, it is obviously important to have the right insurance to protect yourself and others on the road. Motorbike insurance can be different from car insurance. In this article, we will take a closer look at motorbike insurance and discuss the differences between motorbike and car insurance.

What is motorbike insurance?

motorbike insuranceMotorbike insurance is a specific type of insurance designed to protect motorcyclists from financial consequences that may arise from accidents or damage to their motorbike. Like car insurance, motorbike insurance is required by law in most countries and states.

As with car insurance, the following policies are available:

Types of motorbike insurance

  1. Third-party insurance (third-party liability): This is the basic form of motorbike insurance required by law in most countries. It covers damages and injuries you cause to others in an accident for which you are responsible.
  2. WA + Limited Casco: In addition to legal liability, this insurance also covers damage to your own bike due to certain events such as theft, fire, or natural disasters. This may vary from one insurer to another.
  3. WA + Full Casco (All-risk): This is the most comprehensive form of motorbike insurance. It covers damage to your motorbike regardless of who is at fault for the accident. It also covers other damages due to vandalism and collisions with animals, for example.

Factors affecting premium

Your motorbike insurance premium can vary depending on several factors, including your age, type of motorbike, your driving record, coverage options and your location. The riskier you are considered, the higher your premium will be.

Additional coverage options

As with car insurance, you can add additional coverage options to your motorbike insurance policy. Consider additional insurance for other passengers so that damage to your fellow passenger is also covered. You can also think about breakdown assistance, damage to clothing and helmet, damage to luggage, legal assistance, and replacement vehicle rental.

Different supplementary insurance policies are available from each insurer. Do you go for a take out motorbike insurance, then look carefully at what supplementary packages are available and which ones you really need. For example, take a look at the website of KNMV insurances, they have various insurance policies available for motorcyclists.

Differences between motorbike and car insurance

While motorbike and car insurance are similar in terms of basics, there are some key differences that motorcyclists need to understand:

  1. Price: Motorbike insurance is often more expensive than car insurance, especially for younger drivers and powerful motorbikes, due to the higher risk of injury in motorbike accidents.
  2. Coverage options: Motorbike insurance policies offer specific cover options tailored to the needs of motorcyclists, such as helmet and motorbike clothing cover.
  3. Number of Directors: Motorbike insurance policies can offer more flexibility when it comes to the number of drivers covered, as many motorcyclists share their bikes with friends or family members.
  4. Driving: Motorcyclists' driving behaviour is often judged more intensely than that of motorists, because motorbikes are considered more risky.
  5. Seasonal coverage: Some motorcyclists opt for seasonal cover because they use their bikes only during the warmer months, which can be a cost-saving option.

Conclusion

Having the right motorbike insurance is essential for every motorcyclist. Understanding the differences between motorbike and car insurance is important to ensure you have the right cover and are well prepared for unexpected events on the road. Take the time to compare options and choose an insurance policy that suits your specific needs and riding habits. That way, you can fully enjoy your rides on two wheels. Ride safely!

Insuring my vintage car, what should I consider?

Do you own a vintage car and want to insure it? And is this different from insurance for a new car?

Indeed, vintage car insurance differs from insurance for a new car in several ways because of the specific characteristics of vintage cars. First, let us look at what a vintage car is:

What is an oldtimer?

What is a vintage car? A vintage car is generally a vehicle that meets certain criteria to be considered an "oldtimer". These criteria may vary from country to country and insurer to insurer, but in the Netherlands the following applies:

An oldtimer is a vehicle that has reached a certain age, until 2014 this was so if a car was 25 years old or older. However, this has been changed, you can now only speak of an oldtimer when the car is older than 40 years.

This is the date of 1st admission on the registration certificate.

Vintage cars are often cars with limited use that are brought out for special events, exhibitions or on a nice summer day for a nice drive. Cars for the real enthusiast, in other words. They are often gems in excellent condition, lovingly maintained, restored and kept in original condition. Of course, there are exceptions to this 😉

Insurance for vintage cars

Now, regarding insurance for vintage cars:

Oldtimer Insurance vs. Insurance for a New Car:

  1. Possible lower premium: One of the potential advantages of insuring a vintage car is that premiums are usually lower than those for regular car insurance. This is because vintage cars are often used less and are usually well maintained, which reduces the risk of damage.
  2. Agreed value: Unlike most car insurance policies, where the value of the car is determined based on its current market value, vintage car insurance often allows you to agree on an agreed value. This means that you and the insurer agree how much the car is worth in case of a total loss, and you get paid that amount in case of a claim.
  3. Restrictions on use: Vintage car insurance policies may impose restrictions on the use of the car, such as a maximum mileage per year and requiring a second vehicle for daily use.
  4. Required membership: Some insurers may require you to be a member of a recognised vintage car club to qualify for vintage car insurance.
  5. Valuation report: When taking out vintage car insurance, you may have to provide a valuation report to establish the value of the car.

Where to buy vintage car insurance?

It is important to note that the exact terms and coverage of vintage car insurance policies can vary, so it is wise to talk to several insurers and compare quotes before making a decision. Also, the definition of a vintage car and the requirements for vintage car insurance can vary by region, so make sure you understand the local laws and regulations.

In any case, what comes highly recommended is to look at Univé's website. They have a good oldtimer insurance at a competitive premium. Univé has three variants of classic car insurance: WA, WA+ and All-risk. You can also choose various additional cover such as legal aid and damage for passengers/occupants.

In addition to car insurance, Univé also various other insurances.

Advantages of vintage car driving?

Driving a vintage car can provide certain (tax) benefits in some cases, but these benefits can vary greatly depending on location and specific legislation. Here are some potential benefits that can be associated with owning a vintage car:

  1. Vintage cars are also exempt from road tax, this only applies if the car is in your private name. This exemption does not apply to companies.
  2. If you want to import an oldtimer, you do not have to pay BPM. However, you will have to go through the BPM declaration procedure to get the vehicle registered in the Netherlands.
  3. Possible lower insurance premiums: As mentioned earlier, vintage cars sometimes have lower insurance premiums because they are considered hobby vehicles and are usually used less. This can result in savings on insurance costs.
  4. Reduced depreciation: In some cases, the depreciation (drop in value) of a vintage car can be slower than that of a regular car. This means you have less capital loss, which can be beneficial if you want to sell the car.
  5. Last but not least, everyone will look at you admiringly as you drive by in your beautiful car. Not wrong!

However, it is important to note that these benefits are not universal and can vary greatly depending on your location and the specific laws and regulations that apply there. Moreover, some benefits may only apply to vintage cars that meet certain criteria, such as a minimum age or rarity.

Here's how to save on your car insurance costs every month

When was the last time you compared the premium of your current car insurance with the premiums of policies with other insurers? The ones taken out in the past compare car insurance with the current offer can yield substantial savings. This does not only apply to your car insurance, by the way; compare other insurance policies once a year to see if they can be taken out cheaper elsewhere.

When comparing car insurance, there are several factors to consider. You can read more about them in this article. You don't have to compare insurance manually; there are several online tools to help you do this. With these tools, you can determine within minutes which insurer offers the best insurance for you. You can take out the insurance directly from such a tool. 

Factors determining car insurance premium 

The premium of a car insurance calculation means that an online tool assesses your risk based on several factors when they offer you car insurance. Examples of these factors include where you live, your age and the number of claim-free years you have already accumulated. For a younger driver, the risk of damage is assessed higher than for an experienced driver; it results in a higher premium for the younger driver's car insurance. In the case of where you live, a distinction is made between urban and rural areas, for example. In rural areas, the risk of accidents and damage is assessed lower, than in the city. 

Look carefully at the cover required for your car 

When you bought a car, you wanted to protect it optimally from damage. After all, you paid a lot of money for it. Where you opted for third-party insurance with full bodywork back then, now third-party insurance with limited bodywork or no bodywork is sufficient. It leads to considerable savings on your car insurance premium. Especially if you intend to replace your car in the next few years, it is advisable to consider third-party insurance. That way, you will save a little extra every month for the purchase of your new car.

Additional insurance not always necessary 

Besides the basic insurance for your car, you can take out several additional policies. Consider, for example, passenger insurance and legal expenses insurance for traffic situations. Such additional insurances are not always necessary. It is possible that you almost always drive the vehicle alone; in such a case, occupant insurance will cause unnecessarily high monthly costs. 

Here's how to get low-cost car insurance 

Buying a new car is combined with taking out a car insurance. When taking out car insurance, you have a very wide choice. Not only do you choose between insurance policies from a large number of insurers; you also have a standard choice of all-risk car insurance, third-party insurance and third-party insurance with limited casco. What makes one car insurance a better choice than another? Which type of car insurance suits your situation best? In this article, you will read more about the factors to consider when buying car insurance. 

Find the coverage that suits your situation 

A new car insurance starts by looking for the type of cover that 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 your 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. The value of your car also plays a part in this. A more expensive model of car you will normally want to protect better, than a car you wanted to replace anyway. In the former case, third-party insurance with limited hull or even all-risk car insurance may be the best choice.

We briefly list the differences:

  • The Third-party insurance is the most basic car insurance. This insurance covers damage to others and provides assistance in case of damage. Additional cover varies by insurer.
  • WA+ (limited casco) covers more damage. In addition to damage to others, consider fire and storm damage, burglary and theft, animal damage and window damage, for example.
  • The name all risk says it all, all the risk will be covered. The main difference between all-risk car insurance and limited casco is that an insurer will also cover collision damage in case you are at fault in an accident. Vandalism will also be covered which is not the case with limited casco. But to be sure if this is also the case with your insurer of choice, we always refer you to the insurer for more info!

Place where you park your car every day 

Something that is often forgotten: the place where you park the vehicle on a daily basis. If you park it in the shed near your own home, the chances of damage are relatively low. Do you park the car in a public car park at the end of the day? In that case, the likelihood of damage due to vandalism or rough weather, for example, quickly increases. This makes it an important factor in determining the type of cover that is most suitable for your vehicle.

Ataking out supplementary insurance alongside your basic policy 

Taking out basic insurance for your car can be combined with various additional insurances. Consider, for example, passenger insurance; interesting for people who regularly travel in the car with others. Legal expenses insurance for traffic situations can also be an interesting additional insurance. This is especially true for people who drive in big cities. The likelihood of conflicts in traffic is generally higher here than on a quiet country road. 

Van insurance?

Do you have a van and want to insure it? Then keep in mind that it is not the same as a normal car. Looking at what the tax authorities mean by a van, the van must meet the following requirements:

  • The van is mainly equipped for transporting goods.
  • The cargo area should have a fixed, flat loading floor across the entire width and length of the cargo area.
  • No seats may be present in the cargo area.
  • The maximum authorised mass is a maximum of 3,500 kilograms. The permissible maximum mass is the weight of the van plus the permissible weight of passengers and cargo combined. If you exceed this 3,500 kilos, it is no longer a van but a truck.

Do you meet these requirements? Then you can look for a suitable van insurance policy!

Points of attention for van insurance

If you search online you will soon find out that there are many providers for van insurance. Do you go for basic insurance or do you want additional insurances as well? In any case, take the following into account with a van insurance.

  1. Decide what exactly you want to insure and how much you want to spend per month on insurance. If budget is low, you may decide to disregard supplementary insurance and go for the basic insurance only. If you have more budget, you can of course choose additional packages such as breakdown cover, cargo insurance (for the stuff in your van), legal expenses insurance (for legal help) or passenger accident insurance. Of course, the more additional insurances you take out, the higher the premium. So weigh up carefully what you need and what you really cannot do without.
  2. Compare the price for basic insurance. As with a passenger car, you can choose between WA, WA + Limited Casco and WA + full casco. With WA, the basic package is the simplest and covers the least, if you want full security, you should go for WA+ full body. So decide carefully what you want and compare the prices of different insurers.
  3. Take a good look at the general terms and conditions and what is covered; this can vary considerably from one insurer to another. So look carefully at the small print and decide what is important to you, so you may need additional insurance.
  4. Other services such as replacement transport, for example, can also vary from provider to provider, look carefully at these too.
  5. Do you travel abroad a lot? Then also take into account the coverage abroad, suppose you are stranded in France with a breakdown it is nice to know where you stand. These are important points to think about.

Not getting anywhere and still want more advice? Then approach an independent insurance adviser in your area who can do the work for you!

What's the difference? WA/ WA+ difference

We also have the various insurance policies in this blog explained but roughly speaking, the differences are as follows:

  • WA: the legally required insurance, this applies to all cars and is meant to cover damage you cause to others with your van.
  • WA+ limited casco: With this, you also insure damage to the car itself in certain cases. For example, damage due to theft, fire and storm and windscreen damage. Damage to your van due to a collision is not covered.
  • WA+ full casco: This is the most comprehensive insurance and here you also get compensation for damage to your van due to a collision, even if the collision is your own fault.

Want to make sure your car is a van? Then use this tool from the tax authority.

Good luck with your choice!

Frequently asked questions about car insurance

We have already dedicated several articles in our blog to car insurance. You generally have a choice of 3 different coverages:

  • WA (third-party liability)
  • WA+ (limited casco)
  • All-risk (extended hull)

The exact name depends on the insurer and so do the conditions. However, there are similarities between different providers.

Differences car insurance policies

  • The Third-party insurance is the most basic car insurance. This insurance covers damage to others and provides assistance in case of damage. Additional cover varies by insurer.
  • WA+ (limited casco) covers more damage. In addition to damage to others, consider fire and storm damage, burglary and theft, animal damage and window damage, for example.
  • The name all risk says it all, all the risk will be covered. The main difference between all-risk car insurance and limited casco is that an insurer will also cover collision damage in case you are at fault in an accident. Vandalism will also be covered which is not the case with limited casco. But to be sure if this is also the case with your insurer of choice, we always refer you to the insurer for more info!

Frequently asked questions about car insurance

The differences between the insurances is in itself clear but still many people have additional questions. Below is a list of the most frequently asked questions. Remember that there are differences between insurers, so always contact the insurer of your choice for the current conditions and coverage. Being well informed is half the battle.

  • What about claim-free years?
    Generally speaking, for every year you are insured and have not had a claim you get a claim-free year. The more claim-free years you build up, the lower the premium will be. If you do get a claim, you can lose the claim-free years.
  • If I have damage, can I have it repaired at any garage?
    This varies by insurer; with some insurers, you have free choice. Other insurers require you to go to an affiliated garage. So be well informed about this! There are also additional insurances where you are free to choose the repair company so you can still choose which garage you go to. So find out more about this before you take out insurance.
  • How much is the deductible?
    This too varies from one insurer to another. How high the excess is has to do with several factors such as the driver's age and which insurance you choose. So get this straight before buying insurance.
  • Is my car insured even if someone else drives my car?
    Yes, car insurance actually applies to the car and not a person. If it happens that someone else is behind the wheel, the car is insured as usual. The owner of the car does remain liable for everything that happens to the car.
  • I want to sell my car, what do I do about insurance?
    Very simple, cancel your insurance! Report this to your insurer so that the insurance stops or is transferred to your new car.

What about travel insurance and the car?

Taking out travel insurance is a smart choice, after all, you never know what could happen during your road trip. Soon you'll be stuck with your car in the Pyrenees and need replacement transport. Of course, travel insurance (or car insurance) very many things that are not just about your car. But since we are a car blog, we are now just looking at what travel insurance can do for your vehicle.

Imagine you are cruising on holiday and suddenly you are hit from behind by an inattentive driver. It is not serious, you are not hurt yourself, but your car has to go to the garage. Especially if you drive a not so common make and model, this can take a long time in some countries. For example, if parts have to be ordered. Until the car is ready again, you have to arrange an overnight stay. That means: extra, unexpected costs. Or if it's even more serious: you do get injured and you can no longer drive and your car is totaled. In that case, you cannot travel back to the Netherlands yourself.

Let's not dwell on it too much, but of course this can happen to anyone. So if you want to go on holiday relaxed, it is definitely advisable to take out travel insurance. There are different packages and options per insurer, for instance choose extra coverage so that you and your car get back to the Netherlands safely. That return is called "repatriation". You can then simply go home and not pay for the costs. Especially when travelling far away, this is quite a relief. Be well informed by your insurer before you travel!

Which car insurance policy?

Insure your car all-risk, limited-casualty or third-party? When you buy a car, you need to think about this carefully and weigh up the risks. In this article, we explain the general differences, we write "general" on purpose because different conditions apply between providers. There are also various additional coverages you can choose. In the end, of course, it is also a matter of feeling, if you don't want to run any risk then all-risk car insurance is obviously better for your peace of mind. In this article, a brief explanation of the car insurance and additional covers.

All-risk, limited casco or third-party

The exact name depends on the insurer and so do the conditions. However, there are similarities between different providers.

  • which car insuranceThe Third-party insurance is the most basic insurance and covers damage to others and provides assistance in case of damage.
  • Limited casco covers more damage, besides damage to others, consider fire and explosion damage, burglary and theft, storm/hail and flood damage, animal damage and windscreen damage. This is a frequently chosen insurance policy.
  • The name all risk says it, all risk will be covered. The main difference between all risk car insurance and limited casco is that an insurer will also cover collision damage in case you are at fault in an accident. Vandalism will also be covered which is not the case with limited casco. But to be sure if this is also the case with your insurer of choice, we always refer you to the insurer for more info!

What about additional coverages?

Most insaas also offer supplementary packages. coverages. Consider the following options:

  • Roadside assistance insurance so you get replacement transport or a repair arranged in case of a breakdown. This is often valid throughout Europe.
  • Passenger insurance that also covers your fellow passengers and belongings in case of injury and damage.
  • Traffic legal assistance where you get legal and expert help in traffic disputes.
  • Renewal of, for example, the new-value or purchase value. This is especially important when buying a new car, for example, if your new car is stolen in the first 3 years then the insurance will cover the purchase of a new equivalent car.

When do you choose which insurance?

First of all, everyone has to decide this for themselves, but there are of course guidelines. Most people insure a new car for the first six years all-risk. This is because the purchase value and daily value are high and repairing or replacing a damage or vehicle is expensive. After 6 years, it becomes a different story, because cars depreciate quickly. In that case, you can opt for limited hull insurance, for instance. Of course, make sure you have a buffer to be able to replace or repair the car in case of an accident due to fault.

As mentioned, all insurance types have different conditions, designations and additional cover. What suits you best can vary from one situation to another. Be well informed and get well insured on the road!

 

Damage to the car, how does it affect car insurance?

If you own a car, you naturally take care of it. But sometimes an accident or collision is in a small corner. If you cause damage and claim it from the insurance company, in most cases this will affect the amount of your premium. If you build up claim-free years, you will receive a discount on your premium. This discount can be substantial. Sometimes you can also insure yourself for a reduction in your no-claim discount. Then the consequences will be less if you do have to make a claim with your insurer.

Own fault or not?

When claiming damages, it matters a lot who is at fault for the collision. If you have all-risk insurance and someone else hits you, the situation is obviously different from if you are the guilty party in a collision. In the latter case, the insurance will only pay out the damage to the other party if you are only third-party insured. With all-risk insurance, damage to your own car is also paid for. However, there is often an excess of sometimes several hundred euros. In all cases, you have to pay this amount yourself.

Changing insurance

If you have claimed damages from Alpina or another car insurance policy then this is registered in the CIS, the Central Information System. This system can be consulted by all insurance companies. If you want to switch insurers, the CIS will be consulted. If this shows that you have claimed damage more often than average, you may be refused or a higher premium may be charged. You are also at risk of refusal if you have ever committed fraud or are known to be a defaulter of insurance premiums. You should also be aware that you cannot always take your accrued no-claims discount with you when you switch.

Assessment by an insurance expert

If you have damage to your car and want to claim it from the insurance company, you may have an expert come by. This is a representative of the insurance company. He will take the damage and assess the cost estimate of the garage that will repair the damage. It will also assess the claim form filled in by both parties or a report from the police. Only after the insurance company agrees can the car be repaired. Even in the case of a total loss, the insurer may send an expert to assess whether this conclusion is justified or not.

Damage to a leased car

If you have a leased car, you pay a fixed amount per month for this. This amount includes all-risk insurance. If you have damage, you can therefore often have the car repaired free of charge. It does not matter whether the collision was your fault or not. But again, of course, you are not supposed to report to the garage several times with self-inflicted damage. It is then likely that costs will be charged to you as a user. This is usually stipulated in the lease contract.

Which insurance is right for me?

If you are going to insure your car you will naturally look for a cheap car insurance. Nobody pays a high premium for fun. Always read the insurance conditions carefully, though. Sometimes a slightly more expensive insurance can be a better choice because it provides better cover, for instance. As a young person and as a novice driver, you always pay a higher premium. This is logical because the risk of damage is higher. Studies have shown this. The insurance company always estimates the risk of a claim and bases the amount of the premium on that.

3 handy tips to prevent damage to your car

A car is an expensive possession for many people. You have worked hard for it and saved for it for a long time, and then of course you want to enjoy it for as long as possible. To achieve this, it is important to take good care of your car. A good start is already if you neatly follow all traffic rules and drive safely.

These 3 tips make all the difference

Have you also noticed that some people need a new car every time after just a few years, while others keep driving the same car endlessly? To a large extent, this is down to the owner and driver of the car. A car can run well for ten to 15 years, but you need to follow the tips below.

Always drive a well-maintained car

With a car that is professionally maintained, you run much less risk of damage. The tyres are inflated, the engine runs smoothly and there are no technical defects that could cause danger. If you then take care to top up fluids like oil and coolant yourself in between servicing, you've got it all together. The next time you reluctantly make that appointment for a check-up, also think that this way you can drive your car longer.

Always obey traffic rules everywhere

A car accident happens quickly and usually involves a lot of damage. Of course, you cannot influence how other drivers behave in traffic, but you can set a good example yourself. Respecting the rules at all times reduces the likelihood of an accident due to your own fault and, consequently, damages you have to pay.

Park your car in a safe place

To park your car, it is good to put some effort into picking a good spot. A spot where there is little chance of damage from a vehicle hitting your car and a spot that is not so dark and secluded that it attracts car thieves. Another good idea is to make use of a protective cover if your car is left outside.

So what if things do go wrong?

You can never completely rule out damage. However, you can make sure that in case of a breakdown you can always go to a good garage and that in case of an accident you are covered by a legal expenses insurance and passenger insurance in addition to your basic insurance. Do you have those things taken care of just fine? Then you are already saving yourself a lot of worries.

Transfer your licence plate if you are staying in the Netherlands longer

If you stay in the Netherlands for more than 4 months, it is important to register in the Basic Registration of Persons (BRP). If you move to the Netherlands from Eastern or Central Europe, for example, and take your car with you, you will no longer be allowed to drive a car with an international registration number from then on. If you go to study or are temporarily seconded to the Netherlands, this may be slightly different. Read below what the rules are for registration in your situation.

Registered in the Netherlands

Are you registered in the Netherlands because you are going to live here permanently? Then you are not allowed to drive a car with international registration plates. In this case, you should immediately transfer the registration plate to a Dutch one, and take out a new car insurance in the Netherlands. This can be done for example at Polisa insurance. Polisa.nl is there especially for Eastern and Central Europeans in the Netherlands. For example, you can count on service in your own language here, and claim-free years from your home country are carried over to insurance in the Netherlands, giving you extra discounts.

registerExceptions in this situation are if you use the car for a maximum of two weeks in the Netherlands, or if you drive your employer's car with an employer exemption, for example.

Not registered in the Netherlands

Are you not yet registered in the Netherlands but in the Netherlands for a longer period of time? Then it is necessary to transfer your car to a Dutch number plate and Dutch insurance after six months. A Car insurance at Polisa also offers benefits in this case. For instance, with insurance at Polisa.co.uk, you can count on roadside assistance at home and abroad.

Studying in the Netherlands

If you are studying in the Netherlands from Eastern or Central Europe, this will initially only be temporary. Therefore, when you are a student, you will be allowed to drive your own car with original registration number in the Netherlands for your entire study period. Students automatically have an exemption based on international law. However, it is important that the course is recognised.

If you are going to work in the Netherlands besides studying, you do need to transfer the car's registration number and take out insurance in the Netherlands.

Seconded to the Netherlands

If you are seconded to the Netherlands, this will also be a temporary move. On secondment, you have an exemption based on international law. Throughout the posting period, you are therefore allowed to drive your own car in the Netherlands.

Of course, besides these four general situations, there are a lot of exceptions. Whether and when exactly you should transfer your car's registration plate therefore partly depends on your personal situation. In general; if you stay in the Netherlands for longer than six months, transfer your registration.

 

All-risk or wa casco car insurance - what are the differences?

Insuring your car all-risk or third-party is a dilemma many car owners face. In this article, we explain the general differences, we write "general" on purpose because different terms and conditions apply between providers. Next, we give examples of situations in which you can see when all-risk or wa casco is appropriate.In the end, of course, it is also a matter of feeling, if you do not want to run any risk then all-risk car insurance obviously better for your peace of mind.

difference-between-wa-casco-and-all-risk-car-insurance

The differences between All-risk and WA casco

Firstly, everyone who drives with a Dutch license plate is obliged to insure his or her car against third-party liability. In case you cause an accident, the insurance company will compensate the damage you cause. The damage to your own car will not be compensated in case of a WA insurance.

WA Casco, WA plus, Limited Casco

The exact name depends on the insurer and the conditions as well. However, there are similarities between the various providers. The WA casco insurance covers the damage that you cannot do anything about, for example:

  • Storm damage
  • Fire damage
  • Natural disasters
  • Theft
  • Burglary damage (whether any stolen goods are also compensated depends on the insurer)

All-risk car insurance

The biggest and most important difference between a all risk car insurance The most important thing about WA Casco is that the insurer also compensates the damage to your car. So also in case you are guilty of an accident.

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 due to fault.
The same goes for WA and WA Casco, if your car is really getting old (15 years +) and is not a real exotic, then WA insurance is often the wiser choice. If you do cause damage, the damage of the other party is covered and you can buy another car for a few thousand euros.

What do you need to take out one of these car insurance policies?

Whereas in the past it was sometimes a "hassle" to stop or transfer your car insurance, these days it can (usually) be done at the press of a button or a phone call. Some insurers require the reporting code and the certificate of release of the car. So make sure you have it handy at all times.

Mileage insurance for your car?

A kilometre insurance for your car, we have seen it come up a few times already and since corona it is a form of insurance that is getting more attention. As in all industries, the insurance sector does not stand still and insurers continue to look for new concepts that meet the needs of us as consumers. An example of this is the so-called car insurance per kilometre. By means of this kilometre insurance, your premium can be a lot lower if you leave your car at home more often. This car insurance based on the number of kilometres driven is mainly aimed at people who drive little. So feel free to take the bike to save on your insurance costs.

Especially now that people are working more from home due to the corona crisis, this kind of insurance is more relevant than ever!

How does the kilometre insurance work?

kilometre car insuranceYou decide how many kilometres you expect to drive in a year and the insurance company calculates the premium accordingly. At the end of the year the insurer recalculates the premium on the basis of the actual number of kilometres driven. Have you driven less than expected after one year? The difference is then refunded. Have you used the car more often? If you add it all up, your insurance is still correct.
No matter how much you drive, you always pay a fixed rate from 25,000 kilometres a year and no surcharge for extra kilometres. So there will be no unpleasant surprises! You get a portion of the premium paid back if it turns out that you have left the car more often and therefore have driven fewer kilometres. We at autobaak.nl think this is quite a nice system.

Less kilometres since corona

Dutch motor vehicles drove 16.6 per cent fewer kilometres in 2020 than in the previous year. Over three-quarters of the kilometres driven in 2020 were done by passenger cars. This is according to new provisional figures on vehicle kilometres from CBS. Dutch motor vehicles covered a total of almost 126.7 billion kilometres at home and abroad in 2020, compared to 151.8 billion kilometres in 2019. That is a decrease of 16.6 per cent. In coronary year 2020, Dutch passenger cars drove 19.7 per cent fewer kilometres than in 2019. Also in Belgium was driven about 14% less since corona broke out.

Based on these figures, it is crazy if you keep paying the same for your car insurance but use the car a lot less.

Mileage insurance providers

Wij weten dat de Belgische verzekeraar Belfius één van de eerste aanbieders is van de kilometer car insurance. They offer this insurance for both motorcyclists and car drivers. According to their website, they refunded approximately EUR 2 million to customers who drove less than they expected. In the Netherlands, too, there are various insurers who have added the same concept of kilometre insurance to their product range. As far as we are concerned, this is a good initiative in these times, when it is important to look after the environment but also our own wallets!

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