Insurance Policies
Car insurance as an expat: transferring your no-claims years
Updated
If you drive your own or financially leased car as an expat, you take out car insurance yourself. Your no-claims years from abroad can save you money.
Compulsory third-party insurance
Every car with Dutch plates must have at least third-party liability (WA) insurance. On top of that you choose limited or comprehensive cover. With financing, the lender usually requires comprehensive cover. Read the difference in third-party, limited or comprehensive.
No-claims years from abroad
Many Dutch insurers accept a statement of claims-free driving from your previous insurer abroad. Request that statement before cancelling your old policy. A translation is sometimes needed. Each insurer decides how many years it will take over.
What do you need?
- your driving licence and BSN;
- the registration number and details of the car;
- a statement of your no-claims years;
- a Dutch bank account for the premium.
Business insurance
If you use the car for your business, choose business car insurance. Compare cover and excess via business car insurance.
Frequently asked questions
Does every insurer accept no-claims years from abroad?
Not every insurer, and not always all years. Ask before taking out the policy.
Do I need car insurance with operational lease?
Usually not, because insurance is often included in the lease payment.
Is a foreign licence a problem?
Not if it is valid in the Netherlands, but some insurers ask additional questions.
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