Why should your insure your car with Independer?

  • Free Additional Coverage: Theft coverage or Extra Health Care coverage
  • Compare the policy and price: The best choice for you is always at the top
  • Our experts are ready to help: Personal answers to all your questions

How does it work?

Step 1: Fill in your details

Enter your license plate number, postcode and house number. Enter your date of birth, how many claim-free years you have and how many kilometers you drive per year.

Step 2: Choose your coverage

Choose your desired coverage: WA (third party insurance), WA + beperkt casco (limited) or WA + volledig casco (all risk). We advise you based on the information you provide. Do you have an older car? Then WA is usually sufficient. For a newer car, it’s better to choose WA + limited casco or WA + full casco.

Step 3: Choose the cheapest and most suitable car insurance

Have you completed steps 1 and 2? Then you'll see a list of the best car insurance policies for you. This is based on the information you entered. We consider the price and quality in this regard. You’ll also see the most important policy conditions, customer reviews, any available discounts and whether the insurance has the Independer quality label. Is the car insurance you want not on the list? Then click on the "alle verzekeringen" (all insurances) button. You’ll then see all insurers, also ones that weren’t included in the comparison because we don’t have agreements with them.

Step 4: Choose your additional coverage

After you select a car insurance policy, you can choose additional coverage. Consider, for example, passenger cover, legal expenses insurance, or roadside assistance.

Step 5: Answer the additional questions

In the next step, we will ask you to answer some additional questions. For example, about your claims history. But also: do you have a criminal record or have you ever been disqualified from driving? We will forward this information to the insurer for your application.

Step 6: Directly insured

Have you filled out all the information and accepted the terms and conditions? After applying, you’ll receive confirmation. Your car is insured immediately so you can safely hit the road. The policy terms and conditions will be sent to you by email the next day.

Frequently Asked Questions

The market value (dagwaarde) of your car is the amount your car is worth right now. This amount is calculated based on a number of factors, including the age of your car and the number of kilometers driven.

Claim-free years are accumulated from the moment you have a car insurance policy in your name. The more claim-free years, the more discount on your premium you get. Have you claimed damages? Then you lose your claim-free years.

You can easily do this on our website. If you enter your license plate and postcode, you'll immediately see how much road tax you need to pay. The amount of road tax depends on the weight and type of fuel used, among other things.

Calculate your road tax (page in Dutch)

Dutch insurers can only check your claim-free years if you have accumulated them in the Netherlands. Do you have claim-free years that were accumulated abroad? You can request a written statement of this from your previous insurer. However, this can only be done once your insurance has ended.

Sources and expertise


The following sources were consulted when compiling this page:

  • ​Verbond van Verzekeraars

Information verified by expert

The information on this page has been verified by Suzan Samson. She is a car insurance specialist and a sought-after expert in the media. For example: AD, BNR and Volkskrant.


Independer's car insurance comparison site has already won several prizes and awards, including the Website of the YearWUA Award and the Shopping Award.