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"Comparing car insurance almost always pays off. Premiums may have increased or your personal situation may have changed. That's why we recommend comparing your car insurance every year."
Laura - Expert auto insurance
Expert car insurance for years
Everything about calculating car insurance
Calculating the premium for a car insurance policy sounds complicated, but it is not. We explain the steps you need to take.
What do you need to compare car insurance?
We have made calculating the premium for car insurance easy. To calculate via Alpina.nl you only need the license plate of your car and the number of accrued claim-free years. Of course, you have to fill in more for an accurate calculation, but you know the rest of the answers by heart.
Step 1. Fill in the basic data
Already on the first page of our comparator you are asked for the license plate and the number of claim-free years. By also filling in your postcode, house number and date of birth, the various insurers can be compared with each other.
Step 2. Choose the desired coverage
When calculating the premium, choose the desired coverage. Do you still hesitate between two types of cover? You can still choose a different cover further on in the comparison. The three types of insurance are:
Step 3. Additional questions on how you use the car
Insurers estimate the risk. The number of kilometres that you drive per year with the car plays a role in this. More kilometres means a higher risk for the insurer. Also when the car is used for business purposes, the risk increases. In addition, not all insurers are willing to insure business cars. If the car to be insured is a second family car, there are possibilities to negotiate an extra discount.
Step 4. Questions focused on damage-free driving
The following questions should provide clarity about the discount possibilities. For example, if you have driven a lease car in the past three years, you can get an extra discount with a lease statement showing that you have not caused any damage. We can take over the accrued claim-free years from your previous insurer.
Step 5. See how much you can save
The calculation is finished. The results show which insurer comes out best in the comparison. You can now request a quote from one or more insurers. You can also choose the option 'Continue' and choose additional insurance if necessary. Behind the green exclamation mark you will receive more information about the additional coverage .
Are there any fees when taking out car insurance?
Yes, for most insurance policies you will be charged a one-off fee of €13.36. Subsequently, you will be charged the quoted premium on a monthly or annual basis. In the event of a claim, an excess may be payable. You may regard this as a cost in the event of a claim.
Save extra on the premium
Don't blindly choose the most comprehensive coverage. The all-risk car insurance is the most comprehensive insurance, but is probably too expensive for older cars with only a low current value . The premium is based on the new value of the car, but in the event of damage, the current value is used.
Benefits of car insurance at Alpina.nl
Immediate coverage possible, 24/7
You can calculate and take out car insurance 24 hours a day, 7 days a week. In most cases, you get coverage immediately so you can get your car on the road quickly.
Close within 5 minutes
When you take out a car insurance policy online, you want cover immediately. That's why you can see where you stand. You can insure your car within 5 minutes. You can choose your own cover and excess, so you never pay too much. Your application will be reviewed immediately and will take effect when you wish.
Money back guarantee! 14-day cooling-off period
When you take out car insurance with us, you have a 14 day cooling off period. This means that you can cancel the insurance policy within 14 days without having to give reasons.
How do we work?
We are an independent intermediary. This means that we have no financial or production obligations to any company. And that is a great advantage for you. We are always looking for the product with the lowest premium and the best conditions.
Supervision
Alpina complies with all the legal requirements of the AFM. For example, we have the necessary permits and diplomas and we are affiliated with the Financial Services Complaints Institute (Kifid).
Report damage
Do you have a damage? Then you can report it online using the form below. Do you need a towing service urgently? On your green card you will find the telephone number of the emergency service to which your insurance company is affiliated.
If you have coverage for windscreen damage, you can call in a windscreen repairer who is listed on your green card. In most cases the glass repairer will settle the claim with your insurance company.
Report a change
Do you want to adjust your car insurance or is there a change in your personal situation? You can report different types of changes.
- Change personal data
- Change of address
- Changing other insurance
- Cancelling insurance
Related pages about calculating car insurance
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