Purchase Car Insurance

Taking out car insurance through Alpina.nl is easy. After answering a few questions, you'll know right away which car insurance policy is the best choice for you.

When should you purchase auto insurance?

As a car owner, you are legally required to insure your car. This insurance requirement takes effect as soon as the license plate is registered in your name. The most important—and mandatory—component is liability insurance. Anyone who owns a car with a license plate registered in their name must therefore have at least liability insurance.

What do you need to take out car insurance?

To purchase car insurance, you’ll need the car’s license plate number and the registration code. To get a premium quote, enter the license plate number, your ZIP code, and house number. We’ll use the license plate number to retrieve the car’s details. We’ll also ask you what the car’s new value was and what its current market value is. This information will be useful later when calculating the premium.

When calculating your premium, your place of residence—and possibly your age—matters. In general, premiums are higher in densely populated urban areas than in rural areas. Are you under 24 years old? If so, your age is also a factor in determining your premium. Premiums for young drivers are higher than for drivers 24 years of age or older.

What should you keep in mind when taking out a policy?

Choosing the right type of insurance is very important. Choose from the following three types of insurance:

• Civil Liability (WA)
• Liability + Limited Comprehensive Coverage
• Comprehensive auto insurance (also known as "WA-casco")

The number of claim-free years you’ve accumulated is very important when taking out auto insurance. Policyholders who don’t file claims are rewarded by insurers based on theirclaim-free years. One year without filing a claim on your auto insurance counts as one claim-free year. This way, you can build up a discount of up to 75%. With some insurers, the discount can even reach 85%.

How long does it take to get car insurance?

We’ve made it easy to purchase car insurance. After entering a few details, you’ll see insurance plans tailored to your needs, along with their corresponding premiums and policy terms. You can easily compare them. Found a plan that works for you? Then you can purchase it online right away.

In some cases, insurance requires a customized approach. This is the case, for example, if a car doesn’t have a license plate yet. Is your car difficult to insure? Perhaps because you’re going to use it as a driving school car? We offer the solution through Geennee.nl. There’s a reason we’re the specialists in insuring everything on wheels. Even when things get a little trickier, we’ll still find a solution.

Purchasing Auto Insurance with a CIS Registration

Stichting CIS stands for Stichting Centraal Informatie Systeem (Central Information System Foundation). The Central Information System is a system in which consumer data is recorded. Stichting CIS represents the interests of insurers. Insurance companies can consult CIS to obtain, store, and exchange information about their customers. A CIS record relates to your insurance history. You may be listed with the CIS Foundation for various reasons. This data provides the insurer with insight into the customer’s insurance history. If you have a CIS record, your auto insurance application will most likely not be accepted by a standard insurer.

Reasons Why You Can't Get Car Insurance

There are a number of reasons why you might not be able to purchase auto insurance from a traditional insurance company.

Criminal Record

Having a criminal record can be a reason for an insurance company to reject an application for auto insurance. The reason an insurer asks about your criminal record is that most insurers believe it says something about your credibility. Of course, it’s also possible that a criminal record is related to your driving behavior; in such a case, it makes perfect sense for an insurer to want to know if you have a criminal record. You’re required to disclose that you have a criminal record when taking out a policy, unless the record is more than eight years old. You don’t have to explain why you have a criminal record. However, in certain cases—such as when the offense is a minor violation unrelated to your driving behavior—it can sometimes work in your favor to disclose it.

Suspension of a Driver's License

After a driver’s license suspension, it can be difficult to get car insurance. There are many reasons why you might receive a driver’s license suspension, and the duration of the suspension varies. A driver’s license suspension can have unpleasant consequences when it comes to getting new car insurance.

Claims for damages filed too often

A common reason for denial is that your insurance history shows that you have repeatedly filed claims . As a result, the insurer will consider you too high a risk and deny your car insurance application. 

Incorrect CIS Registration

You may have an incorrect CIS registration. In that case, your application for auto insurance will initially be denied.

Leaving your car uninsured for too long

If you drive without insurance for too long, you’re not just risking fines. It can also have very serious consequences if you’re involved in an accident. You’ll have to pay for the damage yourself, and the costs can add up significantly. In addition, there’s a chance that an insurer won’t want to insure a car that has been uninsured for a long time.

You just got your driver's license and want to insure an expensive, fast car right away

For young people up to age 24, the options for insuring an expensive, high-performance car are very limited. Many insurers refuse to insure young people with a car that is faster than average.

Long-term stay abroad

If you’re planning a long-term stay abroad, you must always notify your insurer. If you no longer live in the Netherlands, you cannot purchase car insurance in the Netherlands. As a result, your car insurance will be canceled as soon as you deregister from the Netherlands.

You're listed as a delinquent payer—what now?

It can happen to anyone at some point that you forget to pay your car insurance premium (on time). Perhaps there isn’t enough money in your bank account at that moment, so you don’t pay the premium or are unable to pay it. If you fail to pay the premium or pay it late just once, you won’t immediately be considered a delinquent payer. However, if the payment remains outstanding for an extended period, you’ll be registered as a delinquent payer. As a result, you may be denied coverage when you try to purchase a new auto insurance policy.

De Vereende car insurance

If, for the reasons mentioned above, you are unable to purchase auto insurance from a traditional insurance company, Alpina offers a solution. De Vereende (formerly Rialto Verzekeringen) is an insurer that is willing to cover special risks where traditional insurers turn you down. Alpina is an agent for De Vereende. This means that through us, you can purchase insurance from De Vereende.

What else do we do?

Our service doesn't end once the insurance policy is in place. We can also handle the cancellation of your current auto insurance policy. If you have any questions, we're happy to assist you by phone. You can reach us at 088 688 3700.

How do you cancel a car insurance policy?

We can cancel your current auto insurance policy using our cancellation service. When you sell your car, you can always cancel your current insurance policy. Restrictions may apply when switching policies. In principle, an auto insurance policy cannot be canceled during the first year. Read all about canceling an insurance policy here.

Report a Claim

Have you suffered damage? If so, you can report it online using the form below. Do you need emergency towing service? The green card lists the phone number of the emergency service provider affiliated with your insurance company.

If you have coverage for windshield damage, you can contact a windshield repair shop listed on the Green Card. In most cases, the repair shop will handle the claim with the insurance company.

Report the damage online

Report a change

Would you like to adjust your auto insurance, or has something changed in your personal situation? You can report various types of changes.

• Change Personal Information
• Report a Change of Address
• Change to a Different Insurance Plan
• Cancel Insurance

Benefits of Car Insurance at Alpina.nl

Immediate coverage available, 24/7

You can calculate and purchase car insurance 24 hours a day, 7 days a week. In most cases, you’ll receive coverage immediately, so you can get back on the road quickly.

Complete the transaction within 5 minutes

When you purchase car insurance online, you want coverage right away. That’s why we make it clear from the start exactly what to expect. You can insure your car in just 5 minutes. You choose your own coverage and deductible, so you’ll never pay too much. Your application is reviewed immediately and takes effect whenever you want.

Not satisfied? Get your money back! 14-day return period

When you purchase auto insurance from us, you have a 14-day cooling-off period. This means you can cancel your auto insurance within 14 days at no cost, without having to provide a reason.

How do we work?

We are an independent broker. This means we have no financial or production obligations to any insurance company. And that’s a big advantage for you. After all, we’re always looking for the product with the lowest premium and the best terms.

Supervision

Alpina complies with all legal requirements set forth by the AFM. We hold the necessary licenses and certifications and are members of the Financial Services Complaints Institute (Kifid).