Another word for this is comprehensive insurance. This will cover damage that is inflicted on third parties and the damage to your vehicle. There are exceptions, such as intentional damage. Speak to your insurance provider about this type of coverage. If you have an expensive or a new vehicle, this is good insurance to have.
Costs of Insurance
Another there are a number of factors that go into the cost of car insurance. If you are considered to be lower risk, you will get cheaper car insurance. Things that are taken into account in regard to car insurance premiums are as follows:
Experience and driver history
History and age of the vehicle owner
The weight of the vehicle
The value of the vehicle
Insurance premiums in the Netherlands are around 400 Euros. This is considered to be the sixth-highest in the European Union.
Other Types of Insurance
There are a few other types of insurance, such as breakdown Insurance, equipment and Luggage insurance, no claim protection, personal accident insurance, and legal expenses Insurance. Speak to your insurance provider about these different types of policies.
No Claims Bonus
Reduce the cost of your insurance premiums according to the number of years that you have gone without making an insurance claim. Every year that you go without making a claim, you'll get a further discount. Each of the insurance companies in the Netherlands will have their own no claims skiing. You could save as much as 80% on the annual cost of your insurance if you don't have a claim for a number of years.
You may also be able to carry over your claim-free years from another Insurance Company If you happen to switch providers. You can also use a partner's claim free years if you are going to be ensuring a car that will be used by a couple. If you have a port driving record, then you may have a penalty. You could receive a penalty if you are involved in an incident where you were at fault. You could be penalized if you have had a misdemeanor such as a drunk-driving charge or a speeding charge. You may receive a penalty if you are an inexperienced or a younger driver.