Have you bought a car or motorbike and would like to insure it in the best possible way? You will find that there are several options for your vehicle. At first glance, you could think of many criteria that would be decisive for your choice of insurance. In practice, however, there is often only one criterion that really matters: the age of your vehicle. In this article, we will show you how to get an appropriate insurance policy that will help you ward off many risks without paying more than necessary.
Choosing the right insurance for your car
If you want to drive your car on public roads in the Netherlands, you must insure your car. Just because this insurance is compulsory does not mean there is nothing to choose from. In fact, compulsory basic insurance comes in three variants. Which of these three options you need is mainly determined by the age of your car. This is because the older your car is, the lower its daily value will be. This current market value plays an important role in whether damage still needs to be repaired. If the cost of repair rises above the current market value, it is better to buy another car. So if you have a car that is ten years old or older, choose only the basic third-party insurance. If your car is between six and 10 years old, then the WA+ Limited Casco insurance is the best option. It covers a lot of damage, but not everything. If your car is no more than six years old, it pays to insure it extensively. You do that with the WA+ Full Casco insurance.
When it comes to your motorbike insurance, your preference is important
If you have a motorbike you want to insure, you will see that you are presented with three options here too. You will see that when you have a take out motorbike insurance want, there are no clear age categories. How extensively you want to insure your motorbike depends on your personal preferences. Should you need a guide, again, you can keep the daily value in mind. If your bike is still worth repairing after suffering damage in an accident you were responsible for, you can opt for the WA+ Full Casco insurance.
Align your insurance with supplementary policies
After you have chosen the basic insurance for your vehicle, it is useful to also look at the supplementary insurances. These are not compulsory, but very useful. For example, see if you want to add roadside assistance. With this, you can always call for help when your vehicle breaks down. On- or passenger insurance is also a popular choice. With this policy, the people travelling with you are also properly insured. We recommend taking out all policies with the same insurer. This usually results in a package discount, which means you pay less premium every month.
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