New car insurance: what's involved?
Getting car insurance for a new car? Good idea. But what is actually involved here? Why is it so important to insure a new car? What types of insurance are there for a new car? How exactly is your premium calculated? In this article we explain the topic insuring a new car. This way you will be better prepared and you can insure your new car in the right way.
What is the importance of insuring a new car?
Insurance for your new car is very important. Before you pick up your new car, make sure it is insured. This is because once the car is in your name, it must be insured. Driving around uninsured can not only get you a fine, but can cause you much bigger financial problems. If you cause an accident with a car that is not insured, the financial consequences are incalculable.
It is nice to have a good car insurance policy. Especially when you have just bought a new car. A decent car insurance for a new car not only has many advantages: it is also important. We list for you some points that underline the importance of having a good insurance.
- New cars are often expensive. This means that it is nice to be as well covered as possible in case of damage (think limited casco or even all-risk).
- You just bought a brand new car. You are probably still driving extra carefully. This is completely understandable. The nice thing about good car insurance is that you have fewer worries. Will damage occur? Then you are covered for this in most cases.
- You meet legal insurance obligations. Without car insurance, you may not participate in traffic with your new car. In fact, the car may not be on the road uninsured. This involves third-party insurance.
- With good car insurance, you can count on the best support. You have bought a new car. With the right insurer, you can count on smooth communication and support.
What types of insurance for a new car?
There is no question that insuring a new car is important. But what kind of insurance do you take out next? There are several options in this. We discuss these options below.
Third party car insurance
As stated earlier, it is required by law to insure your car. This involves third-party insurance (legal liability). With this insurance you are covered for damage you cause to others. Read more about third-party car insurance here.
WA limited hull car insurance
This insurance is an additional arrangement to the public liability insurance. You now also cover some cases of damage to your own vehicle. This is definitely recommended when insuring a new car. Read more about WA limited casco.
All-risk insurance car
Do you want to hit the road with your new car feeling very safe? With the all-risk insurance your car is covered as completely as possible. This insurance is also called the full collision insurance (as opposed to the limited collision insurance). Want to read more? Click here.
Need car insurance? Calculate your premium!
How much is your premium? Assessing risks in new car insurance
First, the top three insurance options listed affect your premium. For example, the premium for all-risk insurance is more expensive than for third-party insurance. In addition, the following items, among others, are considered when calculating the premium:
- Your age. The premium for insuring a new car is higher when you are (significantly) younger. Someone 18 years old who just got their B driver's license will have to pay a higher premium.
- The insurer must assess risk when insuring your new car. How likely are you to claim damage? If you have a claims history, the premium will be higher. This is because the risk to insure you is higher.
- The type of vehicle. A brand new car is more expensive than a used car in most cases. Do you also insure the car against theft? Then count on a higher premium when insuring a new car. This is because the risk of theft is higher.
Ultimately, the insurer always looks at the circumstances of the case when calculating a premium. How much is your premium? Calculate your premium at Alpina.
Accruing claim-free years and your car insurance premium how about that?
Did you know that it is possible to pay a lower premium as the years go by? When you insure your new car, it works to your advantage if you subsequently drive claim-free. Building up claim-free years gives the insurer "more confidence" and will lower the risk of insuring your car.
Do you want to get a new car insured? Do you still have questions? Alpina is at your service
Hopefully through this article you will have a better understanding of what to expect when insuring a new car. Do you still have questions after reading this article? Then absolutely do not hesitate to contact us. Fill out our contact form or call us directly at 088 - 688 3710. Our specialists will help you on your way. You can also calculate your car insurance premium directly. That way you will quickly know where you stand!
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