Rijswijk sakinleri olarak, araçlarımızı güvence altına almak için doğru sigorta seçeneğini seçmek büyük önem taşır. Autoverzekering (araç sigortası) seçenekleri arasında WA, beperkt casco ve allrisk gibi çeşitli poliçeler bulunmaktadır. Bu makalede, Rijswijk'de yaşayanlar için en uygun araç sigortası seçeneğini belirlemeye yardımcı olacağız.
Car Insurance: WA, Limited Casco or All-Risk?As a car owner in the Netherlands, you are required to insure your vehicle. But which coverage do you choose? The basic coverage is the WA insurance, but there are also options such as limited casco and all-risk. In this article, we explain the differences, help you choose and provide practical tips. This way, you can find the insurance that suits your situation without paying unnecessarily much.
What does WA insurance cover?
The WA insurance (Statutory Liability Insurance) is the compulsory minimum coverage. This insurance covers damage that you cause to others. Think of a collision where you hit another vehicle or cause injury to a cyclist.
What is insured?- Material damage to someone else's car or belongings.
- Personal injury or property damage to third parties.
- Damage to your own car.
- Theft or vandalism.
Limited casco: extra protection for your own car
A limited casco insurance builds on the WA coverage and also protects your own car against specific risks. This is a middle ground for those who want more security without the highest premium.
What is insured?- Theft of your car.
- Fire, storm, hail or lightning strike.
- Windscreen damage (front and rear window).
- Animal collisions (e.g. hitting a deer).
- Sometimes joyriding or parking damage.
- Damage caused by your own fault in a collision (unless hitting an animal or theft).
1. Calculate the daily value of your car via sites like Gaspedaal.nl.
2. Check theft statistics per model via the RDW.
3. Compare premiums on an independent comparison site.
All-risk: full coverage for peace of mind
The all-risk insurance (also known as full casco) offers the broadest coverage. Everything from WA and limited casco, plus damage to your own car caused by your own fault.
What is insured?- All limited casco risks.
- Collisions, even if you are at fault (e.g. driving into a stationary car).
- Damage caused by skidding on a slippery road.
- Wear and tear, own defects or intentional damage.
- Sometimes a deductible applies (€150-€500).
How do you choose the right insurance? Practical steps
1. Determine the daily value: Look up your license plate at the RDW or online tools. If it's <€3,000? Choose WA.
2. Assess risks: Do you live in a city? Do you drive a lot on the highway? Do you have a popular theft model? Opt for limited casco or all-risk.
3. Driving behavior and profile: Young (<25 years old)? High premium. Many years without claims? Discount up to 80%.
4. Calculate and compare: Use independent comparison sites. Enter age, postcode, year of construction and km/year. Pay attention to conditions such as kilometer declaration (honestly submitting prevents claim rejection).
5. Consider extra modules:
- Legal assistance: for legal help after accidents.
- Replacement vehicle: car during repair.
- No-claim protector: preserve discount after 1 damage.
6. Take out and check policy: Read the conditions. Report changes (new address, other driver) immediately.
Example scenarios:- Old second-hand cars (e.g. 15 years old): WA is sufficient.
- Family car (7 years, many km): Limited casco.
- New SUV (€30,000): All-risk, with deductible €250.
Save costs and avoid common mistakes
Saving tips:- Build up years without claims (from 2 to 80% discount).
- Choose a higher deductible if you drive safely.
- Pay annually instead of monthly.
- Close during low tariffs (around April).
- Underestimating theft risk (check ANWB statistics).
- Incorrectly stating km/year (fine or claim rejection).
- No occupants insurance (covers injury in your car).