Car insurance comparison: compare directly and close!

By comparing car insurance policies, you'll find out which one suits you and your car best. You have a choice between different forms of insurance. Which one is best for you to choose depends on several factors.

If you want to make a good comparison, it doesn't mean putting your own car insurance next to your neighbor's. That's comparing apples to oranges. Car insurance policies can only be compared among themselves if you start from the same starting points and coverages.

What factors play a role when comparing car insurances?

Important premium determining factors are:

• The selected coverage
• The number of claim-free years you have accumulated
• Your age
• Your zip code

Which cover do you choose?

The WA car insurance provides coverage for damage caused to others. This is the minimum and obligatory coverage. The WA limited casco is an extension of the WA insurance. A number of extras mentioned in the policy conditions are also insured, like damage caused by hail and storm. The most extensive car insurance is the WA-casco, also known as all-risk. The WA-casco is the most extensive car insurance and pays for example damage by vandalism and own damage by a collision. The all-risk car insurance is mostly chosen for new cars until they are a few years old.

How many claim-free years have you accumulated?

Claim-free years are built up by not claiming on car insurance. One year of not claiming entitles you to one claim-free year. When you do claim, you lose five claim-free years in one go. This can lead to a sharp increase in the premium the following year. Claiming does not cost you any claim-free years if the claim is related to limited hull insurance. Even if an amount paid out by the insurer can be recovered from another party, it will not cost you any claim-free years.

Do young people do more damage on average?

Insurers often charge surcharges for young drivers. In doing so, they rely on statistics showing that young drivers are more likely to cause claims. Fortunately, not all insurers deter young drivers. By comparing, you can select the car insurance policy that is best and cheapest for you. Young people also have the right to insure their car at a reasonable premium.

Is your zip code also a premium determinant?

The chance of car damage is greater in the Randstad than in the countryside. That is why the postcode is requested when making a comparison. In this way, the premium is adjusted to the statistical risks.

In addition to the above factors, the new value, daily value and weight of the car also play a role. The comparison tool at Alpina.nl takes all premium determining factors into account.

Between which car insurance policies can you choose?

You can, of course, choose from the three types of insurance discussed earlier, but there are also insurances for cars that are not used as passenger cars. You can insure your car cheaper if it is a so-called vintage car. For business cars, for example, you can choose van insurance or cab insurance. We can also compare cars that are difficult to insure - those used as teaching cars or for courier services. See the overview for insurance policies we can compare.