What is the best car insurance?
You want the best car insurance for your car at the lowest possible premium. This seems like a difficult task, but it is possible. By comparing car insurance policies online, you will arrive at the best car insurance policy at the lowest premium.
There is no one insurer who is the best car insurance for everyone and for every car. There are too many dependencies for this. Taking out a car insurance is always a custom job. The premium depends on, among other things:
- Desired coverage
- Car weight
- Catalogue value
- Number of claim-free years
- Postcode of the regular driver
Coverages
Third-party liability (mandatory)
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
Limited airframe
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
All Risk (WA+Casco)
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
Which coverage is best for your car?
There are three types of insurance you can choose between. For new cars and for cars with still a high value, you choose the WA casco (all-risks), because this car insurance also pays for damage to your own car. Even if the damage is caused by yourself. For older cars is often chosen for the WA limited casco. This policy also pays for damage to your own car, but only due to certain causes. Among other things, there is a payment for damage to your car caused by:
The most limited cover is third party liability. This is the best car insurance for older cars with a low value. The insurer only pays out for damage caused to others. This coverage is also part of the WA cascade and WA limited casco.
Car insurance? Calculate your premium!
Why not always opt for the broadest coverage?
The best car insurance is of course the one with the widest cover. But the premium for third-party insurance is also higher than for the two more limited forms of insurance. For an older car it is often not worth it to pay a premium of a few hundred Euros or more per year. Moreover, in case of damage, the daily value of the car is used as a basis. This alone is often not enough.
How to find the best and cheapest car insurance?
Actually, it's very simple! You go to Alpina.nl enter the license plate number of your car and answer a few questions. Within a few minutes you'll know which insurer will give you the cheapest deal with the broadest coverage. You can also take out car insurance online. You will immediately receive a confirmation of the application.
Is your car already insured with an (overpriced) insurer? If you took out the insurance one year ago or earlier, you can cancel the insurance in the interim. The insurer may apply a notice period of one month. In that case, you can also postpone the effective date of the new car insurance for one month.
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