Car Insurance for new drivers

It's always agreat feeling to get your driver's license. The next step, of course, isfinding your first car. A suitable car insurance is an essential part of carownership. In this blog, I will explain what you should consider as a newdriver.

Which insuranceis right for me:

If you own a car in the Netherlands, it ismandatory to have at least a third-party liability (WA) insurance. A WAinsurance covers the damage you cause to others. In addition to a WA insurance,you can also choose to have WA + Limited Casco or All-risk insurance for yourcar. These insurance options ensure that your own car is also protected. Thinkcarefully about which insurance you choose.

Because supplemental insurance ismore expensive, it might sometimes be wiser to insure your car with just a WAinsurance. Perhaps you have a second-hand car as your first car, and additionalcoverage may not be necessary. If you still decide to opt for additionalcoverage, compare the various types of insurance and insurance companies first.Lastly, always consider your own financial situation.

Tips for gettingyour first car insurance:

1.    Examinethe terms and conditions of the insurance policies (third-party liability,limited casco, and all-risk coverage) to understand what is covered and what isnot.

2.    Considerthe age of the car and factors like how susceptible the car is to theft.

3.    Requestoffers from different insurers to make comparisons.

4.    Putthe insurance for your first car under your own name. This way, you can startbuilding up a no-claims bonus immediately. With your next car, you'll benefitfrom a nice discount on your premium!

5.    Sometimes,it's wise not to claim for minor damages on your first car insurance but tocover these costs yourself. This way, you won't lose your no-claims bonus, andit won't affect the discount on your car insurance premium.