0
Platforms compared
0+
Countries covered
0
Categories
Daily
Data updates
€40-60/mo
Average WA premium (NL)
€80-120/mo
Average allrisk (NL)
75%
Max no-claim discount
15+
Insurers compared
What are car insurance?
Car insurance (autoverzekering) is a legal requirement in virtually all European countries. It protects you financially if you cause damage to other people, their vehicles, or their property while driving. Beyond the legal minimum, you can choose higher levels of coverage to also protect your own vehicle.
There are three standard levels of car insurance in Europe:
Third-party liability (WA, wettelijke aansprakelijkheid) is the legal minimum. It covers damage you cause to other people's property and injuries to others. It does not cover damage to your own vehicle. This is the cheapest option and is sufficient for older cars with low value.
Third-party plus limited comprehensive (WA+, also called beperkt casco) covers everything in WA plus damage to your own car from theft, fire, storm, hail, windshield breakage, and collisions with animals. It does not cover damage from your own driving mistakes (like hitting a post). This is a popular middle-ground option.
Fully comprehensive (allrisk, also called volledig casco) covers everything in WA+ plus damage to your own car from all causes, including your own mistakes. This is the most expensive option and is typically chosen for newer or more valuable vehicles (generally recommended for cars less than 5 years old or worth over 10,000 EUR).
Premiums are determined by several factors: your age and driving experience, the car's make, model, and engine power, your postcode (some areas have higher theft or accident rates), your claims history (bonus-malus or no-claim discount), and the level of coverage you choose. Young drivers (under 24) typically pay significantly higher premiums due to statistically higher accident rates.
The bonus-malus system rewards safe drivers with lower premiums over time. Each claim-free year increases your discount. In the Netherlands, this can reach up to 75% off the base premium after many years of claim-free driving. One at-fault claim can set your discount back by several years.
Frequently asked questions
Yes. Third-party liability car insurance is mandatory in every European country. Driving without it is a criminal offense in most countries. The minimum coverage level varies but is typically €1-5 million for personal injury and €1-2 million for property damage.
It depends on the insurer. Many European insurers accept proof of claims-free driving from other EU countries, but some do not. Ask before switching. Provide a claims history letter from your previous insurer. Some countries use a bonus/malus system that may not directly translate.
Costs vary enormously by country, age, and driving history. In the Netherlands, basic third-party starts around €30-50/month for experienced drivers. In the UK, young drivers can pay £1,500+/year. Comprehensive coverage adds 30-50% to the premium. Getting multiple quotes is essential.
Yes, third-party motor insurance is legally required in all EU and EEA countries under the Motor Insurance Directive. This covers damage you cause to others in an accident. Comprehensive coverage (which also covers your own vehicle) is optional but recommended for newer or more valuable cars.
Yes, your EU car insurance automatically provides minimum third-party coverage in all EU/EEA countries through the Green Card system. However, the level of coverage abroad may be reduced to the legal minimum of the country you are visiting. Check with your insurer whether your full policy terms apply when driving abroad.
Annual premiums vary widely by country, driver profile, and vehicle. Typical ranges are EUR 200 to EUR 600 for third-party cover and EUR 500 to EUR 1,500 for comprehensive. Young drivers and those with no claims history pay significantly more. Countries with high traffic density (like Italy and Belgium) tend to have higher premiums.
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