When should I buy car insurance?
You have a car in mind that you would like to have. Of course, you want to get the appropriate car insurance for this car. What should you consider and when should you purchase car insurance?
From when should you buy 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. There are a number of factors that are important when buying car insurance. For a new car, it is generally better to choose a different coverage than for a used car.
Car insurance coverage
The cost of auto insurance depends largely on the coverage you choose. The three standard forms of insurance in auto insurance are:
When buying a car, you should immediately purchase at least third-party insurance. Damages caused to others are compensated with this coverage. For cars of 10 years or older, only the compulsory third-party insurance is often chosen. With this insurance, damages to your own car are not compensated.
Car insurance? Calculate your premium!
A good alternative with broader coverage is the limited liability insurance. Not only damages to others are compensated with this coverage. Damages caused by a collision with stray animals, hail and storm, lightning, fire and explosion, window breakage, theft and attempted theft are also covered by the limited hull insurance. This coverage is often chosen when cars are between 6 and 10 years old.
Premium determinants when buying car insurance
When you purchase auto insurance, a number of things play an important role in determining the premium. These are: the coverage chosen, the number of claim-free years, age and zip code.
When to insure car
When buying a car, it is important that you insure it on time. This is because in the Netherlands there is an insurance obligation. As soon as the car's license plate is in your name, you are the licensee and are therefore obliged to take out car insurance. It is wise to take out car insurance immediately when you have the license plate transferred to your name. That way everything is taken care of immediately and you can safely hit the road with your car. If you delay too long, you risk a hefty fine. You are not allowed to drive in an uninsured car.
Auto direct insurance
So it is important that you insure the car from the moment you own the car and the license plate is in your name. Many people mistakenly think that it is allowed to insure the car only after returning home. Driving an uninsured car is punishable and will result in a hefty fine. If you drive home from the garage and sustain damage while driving, there will be no compensation if the car was not already insured.
Before driving the car, it must be insured. In addition, it is important that the car has had a mandatory MOT inspection and that it is still valid.
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