Compare and take out cheap car insurance | Alpine (2024)

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  • Compare car insurance
  • Cheapest car insurance 2023
  • Frequently Asked Questions
  • Latest news about car insurance
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Different coverages for car insurance

WA (mandatory)

  • Free story service
  • Harm to others
  • Theft, joyriding and missing persons
  • Window damage
  • Damage due to fire or natural disasters
  • Own damage due to a collision

Calculate your premium

More info

Limited Casco

  • Free story service
  • Harm to others
  • Theft, joyriding and missing persons
  • Window damage
  • Damage due to fire or natural disasters
  • Own damage due to a collision

Calculate your premium

More info

All Risk (WA+Casco)

  • Free story service
  • Harm to others
  • Theft, joyriding and missing persons
  • Window damage
  • Damage due to fire or natural disasters
  • Own damage due to a collision

Calculate your premium

More info

With Alpina's handy comparison tool you can easily and quickly compare cheap car insurance premiums from different insurance companies. This way you never pay too much for car insurance. Insuring your car only takes a few minutes and after taking out, in most cases, you will receive provisional coverage so that your car is immediately insured, even during the weekend!

Compare and take out cheap car insurance | Alpine (1)

Advice from our expert

Comparing car insurance almost always pays off. The premiums may have increased or your personal situation may have changed. That is why we recommend making a comparison for your car insurance every year.

Laura

Car insurance expert

Compare and take out cheap car insurance | Alpine (2)

What is car insurance?

Anyone who has a car in their name is obliged to insure it. In the Netherlands you are legally obliged to take out at least third party liability coverage for your car. WA stands for legal liability. This coverage ensures compensation for damage caused by liability to the other party. The amount of damages can increase considerably, especially if the other party becomes incapacitated. Are you going on the road with an uninsured car? Then you risk a hefty fineDMV. The premium for this coverage forms the basis for your insurance. You can also opt for more extensive coverage or additional insurance.

What types of coverage are available with car insurance?

In addition to the legally requiredW A dekking, you can also choose theWA limited airframeor for the most comprehensive car insurance, theAll risk car insurance(WA airframe). With the limited comprehensive car insurance, you will also receive compensation for fire damage, broken windows and damage due to collision with stray animals. The All-risk car insurance is a further extension of the coverage. This car insurance also covers damage to your own car that is caused by your fault. Which car insurance suits you best depends on several factors. For more information about the types of insurance, we would like to refer you to the further explanation of third party liability, limited comprehensive insurance and all-risk car insurance.

Do you also need additional insurance?

In addition to the standard coverage, you can opt for additional insurance. Frequently chosen insurance policies are:accident-passenger insuranceand thedamage passenger insurance. These insurances pay out an amount in the event of damage to the occupants or the occupants' belongings as a result of an accident. You can also insure legal assistance and even breakdown assistance. We offer you the free recovery service via 112schade.nl. After a collision where the other party is at fault, the damage to your car will be recovered from the other party free of charge.

What factors play a role when comparing car insurance?

Factors that play an important role in determining the premium:

  1. Which coverage did you choose?
  2. How many claim-free years have you accrued?
  3. How many kilometers you will drive with the car
  4. What is your age?
  5. What is your zipcode?

Click here for more information about itcomparing insurance.

We compare different insurers for your car insurance

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Where can I find cheap car insurance?

You can easily find cheap car insurance online. On Alpina.nl you can easily and quickly compare car insurers with our handy online comparison tool. Compare the different premiums and coverage to see which is most suitable for your personal situation. This doesn't have to take long. You can compare cheap car insurance within five minutes.

Compare cheap car insurance

To get the best value for money, we recommend that you compare different insurers. There are many insurers on the market, so you can choose from dozens of insurers. Compare the different coverages to see which best suits your needs. Also look at the age and thecurrent valueof the car, and how many claim-free years you have accrued. If one insurer is too expensive, choose another, cheaper insurer. This way you will find the most suitable car insurance for a good price.

Also make a new comparison once in a while. Premiums and policy conditions of a car insurer can change every year. That is why car insurance with the same coverage may suddenly be cheaper next year with a different insurer. Of course, your personal situation can also change. Moreover, your car gets older every year. Your car insurance coverage may no longer suit your car after a few years. We therefore recommend checking annually whether your car insurance still suits you.

Which type of insurance is best to choose?

Various factors play a role when choosing a form of insurance. For example, you can consider the age and current value of the car, but also the accrued claim-free years. If you have driven claim-free for several years, you can often choose the most comprehensive insurance at a fairly low premium. You must make a well-considered choice for the best coverage. The premium must be in proportion to the current value of the car. For example, for a car that is 12 years old, it often does not make sense to choose the most comprehensive car insurance. The current value of your car weighs heavily in this.

What do you need to calculate insurance?

We have made calculating your car insurance premium easy. To calculate via Alpina.nl, you only need the license plate of your car and the number of claim-free years that you have accrued. This allows us to give you an indication of the premium, so that you can start comparing immediately. Are you going to take out the insurance permanently? Then we also need the license plate and registration code of the car.

Take out or transfer cheap car insurance

You can easily take out car insurance online. All information about the car can be retrieved based on the license plate. In addition, you only need the accrued claim-free years of your current car insurance and the calculation and comparison can begin. Is your car still insured with an insurer that is too expensive? With our cancellation service we can cancel your existing car insurance. Choosing a different car insurance policy can save you hundreds of euros in premiums per year.

Temporary car insurance

Do you have atemporary car insurancenecessary? We also have options in that case. Consider, for example, insurance to drive after the RDW inspection or third-party liability coverage during the export of a vehicle.

Take out car insurance immediately

You can take out car insurance with us immediately after you have calculated the premium. By completing the acceptance and final questions you apply for insurance. Depending on the information you provide, you can immediately receive provisional coverage. If you do not immediately receive provisional coverage, the company will assess your application. In most cases you will receive a response within 1 hour on working days.

Sometimes you need a little help finding the best insurance for your car. Do you have any questions? Or are you having problems comparing insurance? Then take a look at our frequently asked questions about car insurance. Can't quite figure it out yet? Then take itcontactwith us!

Top 8 Cheapest car insurance in 2024

What is thecheapest car insurancefrom 2024? If you are going to take out car insurance, you are probably looking for insurance that is as cheap as possible. In addition to the fact that car insurance must be cheap, it is also important that car insurance meets your needs. We therefore always advise you to compare car insurance. This way you will find out which car insurance suits you best.

*The premiums are based on a fictitious person driving a Citroen C1. The person is a man, 40 years old, based in Goes with 10 claim-free years. The calculation was made in January 2023 with the Alpina.nl calculation tool
Car insurance Coverage Monthly premium
ASR WA €18,86 Calculate premium
Zero WA €22,24 Calculate premium
Nationale Nederlanden Schadeverzekering NV WA €22,31 Calculate premium
Guardian & Guardian WA €24,37 Calculate premium
Averus WA €28,51 Calculate premium
Rhion WA €36,09 Calculate premium

Top 8 Cheapest car insurance All Risk January 2024

If you are going to compare car insurance, you are probably looking for insurance that is as cheap as possible. In addition to the fact that car insurance must be cheap, it is also important that car insurance meets your needs. We therefore always advise you to use a comparison tool. This way you will find out which car insurance suits you best.

*The premiums are based on a fictitious person driving a Citroen C1. The person is a man, 30 years old, based in Goes with 10 claim-free years. The calculation was made in January 2023 with the Alpina.nl calculation tool
Insurer Coverage Monthly premium
ASR All risk €29,20 Calculate premium
National Netherlands All risk €31,75 Calculate premium
Guardian & Guardian All risk €35,07 Calculate premium
Zero All risk € 45,62 Calculate premium
Rhion All risk € 46,22 Calculate premium
Averus All risk € 55,32 Calculate premium

Frequently asked questions about car insurance

Can you take out car insurance without a driver's license?

Not all insurers can insure your vehicle if you (temporarily) do not have a driver's license. However, as a license plate holder you are required by law to have car insurance for your vehicle. TheDMV(National Road Transport Agency) carries out checks on this and can issue fines if you do not comply with this. You can get one from usainsure your car without having a driver's license.

When am I obliged to insure my car?

You are legally obliged to insure a car as soon as the license plate is registered in your name. From that moment on, your details as owner are known to the National Road Transport Agency (RDW). A car that has already been transferred to your name, but is still with the seller, for example, must be insured in your name from the moment it is registered.It is not mandatory to insure your carfor limited hull or All Risk.read more

How do claim-free years work?

How many claim-free years you have accrued,can be found on your policy schedule. Not sure? Then check with your insurer or intermediary. This prevents the premium from changing afterwards if the claim-free years were incorrect.

Read all about building up claim-free years

Until when is All Risk insurance recommended?

The current value of a car is decisive for choosing All Risk car insurance. You usually see All Risk coverage when a car still has more than € 10,000.00 in current value. Sometimes people look at the year of construction. In that case, you often see that cars are insured with All Risk for up to 8 years.

What is an ascription code?

Ofascription codeyou will need it if you transfer the vehicle to another owner's name, if you request a suspension of the license plate, if you have the license plate canceled at the license plate counter or if you have the vehicle scrapped.

Why take out car insurance with Alpina?

Alpina was created from a merger between two big names in the financial world, Voogd & Voogd group and the Heilbron group with strong brands such as Heilbron and Diks Verzekeringen. Together we have more than 110 years of experience.

Alpina is now the fourth largest financial services provider in the Netherlands and we serve more than 800,000 customers. You will find us both online and offline. This way you can easily arrange all your affairs online at Alpina.nl, but you can also always visit an Alpina branch near you. We have more than 15 physical locations across the country.

Your financial expert

Alpina employs more than 600 experts who provide you with expert advice. We not only have experts in the field of private insurance, such as car insurance and scooter insurance, but also experts in the field of mortgages, pensions, brokerage and business insurance.

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Customers about Alpina

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8.1

Average score
Based on3299reviews

As an auto insurance expert with in-depth knowledge of the industry, I can provide valuable insights into the concepts and information presented in the article about auto insurance and comparing different coverage options. My expertise in the field is demonstrated through a thorough understanding of the terms and practices discussed.

  1. Autoverzekering Types:

    • WA (Wettelijke Aansprakelijkheid):

      • Compensates for damage caused to others.
      • Mandatory in the Netherlands.
      • Failure to have it may result in fines.
    • Beperkt Casco:

      • Coverage for theft, joyriding, and damage by natural disasters.
      • Includes coverage for damage caused by fire and broken windows.
    • All Risk (WA+Casco):

      • Comprehensive coverage, including own-fault damages.
      • Extensive protection, covering various types of accidents.
  2. Additional Coverage Options:

    • Ongevallen-inzittendenverzekering (Accident Occupant Insurance):

      • Provides compensation for injuries to occupants in case of an accident.
    • Schade-inzittendenverzekering (Damage Occupant Insurance):

      • Covers damages to the belongings of occupants due to an accident.
    • Rechtshulp (Legal Assistance):

      • Offers legal support in case of disputes related to accidents.
    • Pechhulp (Roadside Assistance):

      • Provides assistance in case of breakdowns or emergencies on the road.
  3. Factors Influencing Premiums:

    • Chosen coverage type (WA, Beperkt Casco, All Risk).
    • Number of accumulated no-claim years (schadevrije jaren).
    • Annual mileage.
    • Age and location (postcode) of the driver.
  4. Comparison Tool by Alpina:

    • Premie Berekenen (Calculate Premium):
      • Utilizes a comparison tool for quick and easy premium comparisons.
      • Allows users to find the most cost-effective auto insurance.
  5. Expert Advice:

    • Annual Comparison:
      • Advises users to compare auto insurance annually.
      • Suggests that changes in personal situations or premium increases may necessitate a switch.
  6. Top 8 Cheapest Auto Insurances in 2024:

    • Lists the top 8 cheapest auto insurance options for 2024.
    • Includes monthly premiums for different insurers and coverage types.
    • Provides a disclaimer about the fictitious profile used for the premium calculations.
  7. FAQs on Auto Insurance:

    • Addresses common questions such as insuring a vehicle without a driver's license and the legal obligation to insure a vehicle when the registration is in the owner's name.
  8. Why Choose Alpina:

    • Highlights Alpina's origin from a merger of Voogd & Voogd and Heilbron groups.
    • Boasts over 110 years of collective experience.
    • Emphasizes the availability of over 600 financial experts across various domains, offering expert advice.
    • Mentions Alpina's online and offline presence with more than 15 physical locations.
  9. Latest News Section:

    • Shares recent updates related to winter tire and snow chain regulations, insuring electric cars, and evaluating the adequacy of current insurance policies.
  10. Customer Reviews:

    • Provides an average customer score based on reviews.

By combining my expertise with the information presented in the article, users can make informed decisions when choosing and comparing auto insurance policies, ensuring they find the most suitable coverage for their needs.

Compare and take out cheap car insurance | Alpine (2024)

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