Car Insurance Search: 8 Tips You Should All Look Out For!

Tip 2: Consider in advance what you want to be insured for

Do you only want to be insured for damage you cause to others (compulsory third-party liability insurance) or do you also want to be insured for damage to your own car, even at your own fault? When looking for car insurance, it is easy to think in advance about what you want to be insured for. You can choose from three different coverages:

• WA: In the Netherlands, it is mandatory for license plate owners to have at least a WA insurance. This means that you are insured if you cause damage to another person, for example through a collision. WA insurance forms the basis of your car insurance.
• WA + limited casco: With a limited casco you are insured for fire, explosion, hangel, storm, window breakage, theft, attempted theft and collision with stray animals. A limited casco offers broader coverage, is often only slightly more expensive than third-party insurance and is a lot cheaper than all-risk insurance.
• All-risk: Do you want to be fully insured? Then you should choose all-risk insurance. This is the most extensive coverage. With all-risk insurance you are insured for all the above damages as well as for damage to your own car, even if you caused the damage yourself.

Tip 3: Find out in advance how many claim-free years you have accumulated

The number of claim-free years you have accumulated is very important to the final premium you pay for your car insurance. The more claim-free years you have, the more discount you get on the premium. You can request your claim-free years from your insurer or from Roy-Data. When you want to know how many claim-free years you have in Roy-Data, you can submit a request.

Tip 4: Don't just look at the lowest price, but also compare policy terms and conditions

When looking for the right car insurance policy, not only the price, but also the policy terms are important. There are big differences in coverages between car insurance policies. For example, you can look at the notice period, new-value coverage, purchase value coverage, coverage abroad and surety bond. In the policy conditions, you will find exactly what rights and obligations you have as a policyholder.

Tip 5: Check that you also have coverage abroad

Your car insurance also applies abroad and provides coverage in the countries listed on your green card. Before taking out your car insurance, check in which countries you are insured and if there are any conditions attached. This way you will not have any unpleasant surprises while traveling by car. Arranging replacement transportation in case of a breakdown is usually not included in the insurance. For this you often have to take out additional insurance or travel insurance.

Tip 6: Experiment with the deductible

While comparing auto insurance policies, take a look at what difference the deductible makes. If you take a higher deductible, you get more premium discounts. You can specify how high the deductible should be in our online comparison tool. This way you can easily see the price differences in premium. If you generally drive little damage, you can save a lot of money on the premium with a higher deductible. Do you ever drive into damage? Then it can sometimes be more advantageous for you to pay for this damage yourself. You do not lose any claim-free years.

Tip 7: Compare car insurance policies.

Don't just take out the first the best (cheap) insurance you see. When looking for car insurance, really take the time to compare different insurers on price as well as content. For this you can use our easy online comparison tool. Once you have entered your license plate number, some personal information and claim-free years, the comparison can begin. Choose the coverage you want and select any additional insurance. Then you will get a handy overview of all car insurance policies that meet your criteria. This makes comparing very easy. Have you found the best car insurance? Then you can purchase it directly online.

Tip 8: Compare every year to find the best value for money

Our last tip is one of the most important tips. Many people take out auto insurance and then don't look at it again. This while premiums and policy conditions can change every year. Therefore, a car insurance policy with exactly the same coverage can suddenly be cheaper next year with another insurer. Switching can save you a lot of money. Also your personal situation can change, making adjustment of the car insurance necessary. For example, when selling or suspending the car. That is why we advise you to check annually whether your car insurance still suits you.