Car insurance is also legally required in the Netherlands. When you own a car in the Netherlands, you are required to cover it for at least any damage or injury that you may inflict on others. This is called third-party insurance or, as the Dutch call it, WA-verzekering.
Unlike some countries, in the Netherlands you insure the car, not the driver. This means that your friend can legally drive your car — provided they have a licence of course! However, you would be the one to pay up should they cause any damage as it would be your name under the car’s insurance. Capeesh?
You can also insure your car further by taking out WA Plus which insures it for damage caused by fires, storms, theft, vandalism or — dare I say — collision with animals.
If you’re worried about any damage that you may cause to the car, you’ll need to take out an all-risk policy (allriskverzekering). This will cover you for all damage, including yours should you accidentally take the car for a dip in the canal.
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