Tips to compare car insurance policies

There are many insurance companies that offer auto insurance. It is often quite a task to choose the right insurance. That is why we give tips to compare car insurance policies.

Compare third-party insurance

Insurance is mandatory as soon as you have a car in your name. This must be at least a Third Party Liability (WA) insurance. The coverage of this is closely defined and the various insurance companies have few differences. They do exist, but they are small. Points to pay attention to are:

• Are you dealing with (one-off) policy costs? Not all airlines charge for it.
• Can the policy be canceled per day?
• Is it possible to report damage 24 hours a day?
• Do you get a discount if you pay per year instead of per month or quarter?

Compare WA Limited Casco insurance

The WA Limited Casco or WA+ car insurance is more extensive than the third-party insurance. In addition to damage that you cause to others, circumstances such as broken glass, theft, fire and various natural damages are also covered. You can see that there can be more differences. What should you pay attention to to compare WA Limited Casco car insurance? You see differences in the areas of:

• Do you have a choice with the repairer of the damage?
• Do you have a deductible when replacing a windscreen or windscreen?
• Will you be reimbursed for replacement transport if your car is a total loss?
• Will you be reimbursed for replacement transport if the car is stolen and for how many days?
• Are you dealing with (one-off) policy costs? Not all airlines charge for it.
• Will the new or purchase value of the car be reimbursed? And how long?
• Is it possible to report damage 24 hours a day?
• Do you get a discount if you pay per year instead of per month or quarter?

Compare WA Casco insurances

The most comprehensive insurance for cars is WA Casco, also known as All-risk insurance. This actually covers all damage to the car, even if you cause it yourself. Vandalism is also insured, for example. Especially if you have a new or more expensive car, you will quickly come across this cover as the best for your situation. Due to the greater coverage, there are also greater differences between insurers. What do you pay attention to with these insurance policies?

• Do you have a deductible in case of damage and how high is it?
• Are you dealing with (one-off) policy costs? Not all airlines charge for it.
• Do you have a deductible when replacing a windscreen or windscreen?
• Is it possible to report damage 24 hours a day?
• Do you get a discount if you pay per year instead of per month or quarter?
• Do you have a choice with the repairer of the damage?
• Are there (extra) costs or deductible if you are younger than 24 years old?
• Will the new or purchase value of the car be reimbursed? And how long?
• Will you be reimbursed for replacement transport if your car is a total loss?

Other car insurance differences

There are even more differences on which you can compare car insurance policies.

• Some insurance policies can be taken out through an intermediary. They can also help if you want to claim damage so that you do not have to keep in touch with the insurer yourself.
• Compare discounts that insurance companies give when you take out a policy, regardless of your place on the bonus-malus ladder. New customers can receive an extra discount. The ANWB gives members an extra discount on the total insurance, which depends on the number of years you have been a member.
• Also look at the options that package insurance offers: if you have also taken out insurance for your medical expenses or home with an insurance company, you can get a discount on a combination of several policies.