Get car insurance

Getting car insurance through Alpina.nl is easy. After answering a few questions, you will already know which car insurance is the best choice for you.

When do you take out car insurance?

As the owner of a car, you are required by law to insure the car. This insurance obligation applies from the moment the license plate is in your name. The most important and obligatory part is the third-party insurance. Everyone who owns a car with the license plate in his or her name must have at least third-party insurance.

What do you need to take out car insurance?

To purchase car insurance, you need the car's license plate number and report code. For a premium calculation, enter the license plate number, your zip code and house number. With the help of the license plate number, we will find out the details of the car. We also ask what the new value of the car was and what the current market value is. This comes in handy later when calculating the premium.

For premium calculations, it matters where you live and possibly your age. Generally, in crowded urban areas, the premium is higher than in rural areas. Are you less than 24 years old? Then age is also a premium determining factor. For young drivers, the premium is higher than for drivers 24 and older.

What do you need to pay attention to when you take out a loan?

Choosing the right form of insurance is very important. Choose between the following three forms of insurance:

• Third-party liability (WA)
• WA + limited casco
• All-risk car insurance (also called third-party liability)

The number of accrued claim-free years is of great importance when buying car insurance. Policyholders who do not make any claims are rewarded for this by insurers through claim-free years. One year of no claims on the car insurance means one claim-free year. This way you build up a discount of up to 75%. With some insurers the discount even goes up to 85%.

How long does it take to get car insurance?

We have made taking out car insurance easy. After entering a few details, the insurance policies tailored to your needs appear, along with their premiums and policy conditions. You can easily compare them. Have you found a suitable insurance? Then you can buy it directly online.

In some cases, insurance is customized. This is the case, for example, when a car does not yet have a license plate. Is your car difficult to insure? For example, because you are going to use the car as a teaching car? Through Geennee.nl we offer the solution. We are not for nothing the specialist in insuring everything on wheels. Even if things get a little trickier, we simply offer a solution.

Car insurance with a CIS registration

Foundation CIS stands for Foundation Central Information System. The Central Information System is a system in which data about consumers are registered. Stichting CIS represents the interests of insurance companies. Insurance companies can consult CIS to collect, store and exchange information about their customers. A CIS registration has to do with your insurance history. You can be registered with Stichting CIS for several reasons. This is data that gives the insurer insight into the customer's insurance history. With a CIS registration, car insurance will most likely not be accepted by a regular insurer.

Reasons why you can't get car insurance

There are a number of reasons why you cannot get auto insurance from a regular insurance company.

Criminal record

Having a criminal record can be a reason for an insurance company not to accept an application for auto insurance. Why an insurer asks about your criminal record is because most insurers feel it says something about your credibility. Of course, it may also be the case that a criminal record has to do with your driving record, in such a case it is quite logical for an insurer to want to know you have a criminal record. You are required to disclose that you have a criminal record at closing unless the criminal record is older than eight years. You don't have to disclose why you have a criminal record. However, in certain cases when it is a minor offense not related to your driving record, it can sometimes work to your advantage to do so.

Driving disqualification

After a driving disqualification, it can be difficult to get auto insurance. There are many reasons you can get a driving disqualification. Its duration also varies. A driving disqualification can have unpleasant consequences for getting a new car insurance policy.

Claims filed too often

A common reason for refusal is that your insurance history shows that you have already made repeated claims. In this, therefore, the insurer will rate you as too high a risk and consider the car insurance denied.

Wrongful CIS registration

You may have an unwarranted CIS registration. Initially, your application for auto insurance will then be denied.

Not having insured your car for too long

When you drive around uninsured for too long, you don't just risk fines. It can also have very serious consequences if you drive with damage. You have to pay for these damages yourself, which can add up considerably. There is also a chance that an insurance company will not insure a car that has been uninsured for a long time.

Just got your driving licence and want to insure an expensive fast car right away

For young people under the age of 24, the options for insuring an expensive fast car are very limited. Many insurers refuse to insure young people with above-average fast cars.

Long stay abroad

If you are going abroad for a long stay, you must always inform the insurer. Do you no longer live in the Netherlands? Then you cannot take out car insurance in the Netherlands. As a result, your car insurance will be terminated as soon as you deregister in the Netherlands.

You are registered as a defaulter what now?

It can happen to anyone that you forget to pay your car insurance premium (on time). Perhaps there is insufficient balance in your bank account at the time, so you do not or cannot pay the premium. If you fail to pay the premium once or too late, you will not immediately be considered a defaulter. If you do not pay for a longer period of time, you will be registered as a defaulter. As a result, when you want to take out a new car insurance policy, you may be refused.

De Vereende car insurance

Is it not possible to get car insurance from a regular insurance company due to the aforementioned reasons? Then Alpina offers a solution. De Vereende (formerly Rialto Verzekeringen) is the company that is willing to insure special risks where regular companies drop out. Alpina is a De Vereende intermediary. This means that you can take out insurance with De Vereende.

What else do we do?

Our service doesn't stop after the insurance is taken out. We can also cancel your current car insurance. If you have any questions, we will be happy to help you by telephone. You can reach us at telephone number: 030-6883700.

How can you cancel car insurance again?

We can cancel your current car insurance with our cancellation service. When selling your car, you can always cancel the current insurance. When you refinance, restrictions may apply. In principle, a car insurance cannot be cancelled in the first year. Read all about cancelling insurance here.