Skip to main content

expat car insurance & compare premiums

Voor expats in Nederland — ook zonder Nederlandse verzekeringshistorie, met erkenning van uw Foreign no-claims years, Engelstalige service en dekking voor een geïmporteerde auto of buitenlands kenteken. Wij vergelijken meer dan 30 verzekeraars. Onafhankelijk advies van Finass Insures.

Calculate my premiumCall 072 - 509 24 56
AFM registeredKifid affiliatedIndependent advisor
Compare independently
30+ insurers
Foreign no-claims years & Engelstalig
Personal advice

In 1 minute explained

Watch this short video to see what to look out for and which choices suit your situation.

Prefer to brainstorm directly? Contact us — wij kijken persoonlijk met u mee.

Insure expat car insurance with Finass Verzekert

What is expat car insurance?

A expat car insurance is intended for expats living in the Netherlands temporarily or long-term. We arrange coverage. even without Dutch no-claims years, with recognition of your foreign claims history, English-language service, and coverage for an imported car or foreign license plate.

This way, you are insured quickly and correctly, tailored to the duration of your stay. At Finass Insures We compare more than 30 insurers and assist you in English.

What do you look out for as an expat?

Please pay attention to transferring your foreign no-claims years, the validity of your driving licence, an imported car or foreign license plate, and English-language terms and conditions. We provide independent advice.

More about the Car insurance

Third-party liability insurance is legally required for every car, but which coverage suits you? From just third-party liability to Third-Party + Limited Comprehensive (WA+) and All-Risk — the right choice depends on the value and age of your car.

What does car insurance cover?+
  • ✓Third-party liability (legally required): damage you cause to others with your car
  • ✓Third-Party Liability + Limited Comprehensive (WA+): also theft, fire, storm, hail, and glass damage
  • ✓Collision with animals and sometimes joyriding or parking damage (limited comprehensive)
  • ✓All-risk (fully comprehensive): also includes damage to your own car caused by your own fault
  • ✓New value or purchase value scheme for young cars
  • ✓Additional: legal assistance for traffic, passengers, and roadside assistance

We (Finass Verzekert) independently compare car insurance from more than 30 insurers — so you get the best coverage at the lowest premium.

Why is car insurance important?+
  • ✓Third-party liability insurance is legally required for every car.
  • ✓With limited comprehensive coverage, you are also covered for theft, fire, storm, and glass damage.
  • ✓All-risk also covers damage caused by your own fault — handy for a new or expensive car
  • ✓You build up claim-free years and receive a no-claim discount (up to 80%).
Who is car insurance suitable for?+
  • ✓Third-party liability: older cars with a low current market value or a second car
  • ✓Third-party liability plus (limited comprehensive): cars aged 5-10 years with a risk of theft or glass damage
  • ✓Comprehensive: new or more expensive cars, or a car with an outstanding loan
  • ✓Everyone who is legally required to insure their car
Tips for closing+
  • ✓Choose the coverage based on the value and age of your car (comprehensive is often cost-effective up to ~6 years).
  • ✓Pay attention to the total loss policy: new value, purchase value, or current market value
  • ✓Weigh the deductible against the premium (often a lower deductible for glass damage)
  • ✓Paying for minor damage yourself can be cheaper than losing your no-claims bonus.
  • ✓Consider additional coverages: legal assistance, passengers, and roadside assistance.
How do you find the best car insurance?+

The premium depends on your age, place of residence, type of car, your claim-free years, and the chosen coverage. Finass Verzekert independently compares more than 30 insurers so that you find the right coverage at the most competitive premium.

Lees het volledige kennisdossier: alles over de Car insurance →

Which coverage suits you as an expat?

Even as an expat, you can choose from Third-Party Liability, Third-Party + Limited Comprehensive, and All-Risk. The choice depends on the value and usage of your car; we explain everything in English.

BASIC

Third-party liability insurance

Legally required minimum

Third-party liability car insurance is legally mandatory and covers damage you cause to others with your car, not to your own car.

What is covered:
  • Damage to other vehicles
  • Injury to persons or third parties
  • Damage to buildings and objects
  • Damage caused by occupants
Bereken WA-Premium →
MOST CHOSEN
EXTENSIVE

Third-Party Liability + Limited Cover

Popular with expats

In addition to third-party liability coverage, also protection against damage to your own car caused by external factors that you cannot prevent.

Extra coverage:
  • Fire and storm damage
  • Theft and burglary
  • Window breakage and glass damage
  • Collision with animals
  • Hail damage
Bereken WA+ Premium →
COMPLETE

All-risk insurance

For a new or imported car

The most comprehensive coverage, including damage to your own vehicle, theft, and total loss — handy for an imported or new car during your stay.

Everything from WA+ plus:
  • Damage caused by one's own fault
  • Vandalism
  • Unknown cause
  • Total loss payout
  • Collision damage
Bereken All-risk-premie →
Comparison of coverages for your expat car insurance
CoverageWAThird-Party Liability + Limited CoverAll-risk
Damage to others (liability)
Fire, storm and nature
Theft and burglary
Window breakage and glass damage
Collision with animals
Damage to own car due to own fault
Vandalism and unknown perpetrator
Recommended forOlder carMiddle classNew car

Additional coverages for your expat car insurance

Complete your expat car insurance with these modules and extensions.

Foreign no-claims years

Transfer all or part of your no-claims years accumulated abroad for a lower premium.

Engelstalige Service & polis

Guidance and, where possible, terms and conditions in English, so that everything is clear.

Import & buitenlands License plate

Coverage for an imported car or a car with a foreign license plate.

Flexible during stay

Coverage tailored to the duration of your stay, with flexible cancellation.

PREMIUM CALCULATION

What does your expat car insurance premium depend on?

The premium for a expat car insurance depends on the car, your (foreign) no-claims years, your place of residence in the Netherlands, and the chosen coverage.

By comparing via Finass Verzekert, you immediately see which insurer offers the most affordable car insurance for your expats.

1
Auto & (buitenlandse) schadevrije jaren
Place of residence in the Netherlands
2
Number of claim-free years
The more years, the lower your premium (up to 80% discount)
3
Annual mileage
Selected coverage
4
Age of chief executive officer
Risk category based on your age
5
Postal code area
Regional theft and collision statistics

Insuring your expat car insurance or switching: here's how it works

Your expat car insurance provides you with the best coverage to suit your usage. We compare more than 30 insurers. Do you already have a policy? After the initial contract period, you can switch monthly; Finass Verzekert takes care of it, ensuring you are not left uninsured.

The 4 steps to switching

  1. Calculate your premium via our tool with your license plate
  2. Compare the providers and choose the best coverage for your expat car insurance
  3. We handle the cancellation with your old insurer
  4. Your new policy takes effect immediately after the notice period

When can you cancel?

We take your foreign claims history into account, guide you in English, and arrange the entire switch without leaving you uninsured.

Insure your expat car insurance or switch with Finass Verzekert

Frequently asked questions about your expat car insurance

All the answers to the most frequently asked questions about your expat car insurance at a glance.

Who is expat car insurance for?

Expat car insurance is intended for expats living in the Netherlands temporarily or long-term who wish to insure a car, even without a Dutch insurance history.

Do my foreign no-claims years count?

Often, yes. With a statement from your foreign insurer, your no-claims years can be transferred in whole or in part, which lowers the premium. We will request this for you.

Can I get insurance with a foreign driver's license?

Yes. You can take out insurance with a valid foreign or international driving licence. We take into account the validity period and the exchange scheme in the Netherlands.

Can I insure an imported car or a foreign license plate?

Yes. Both a car with a Dutch license plate and an imported or foreign license plate can be insured. We arrange the right coverage.

Is there English-language service and policy?

Yes. We offer English-speaking assistance and, where possible, an English-language policy, so that the terms and conditions are clear. English-speaking service is available.

Can I get temporary insurance during my stay?

Yes. The coverage aligns with the duration of your stay in the Netherlands; after the initial period, you can cancel flexibly. We will tailor this to your situation.

What does the premium depend on?

The premium depends on the car, your (foreign) claim-free years, your place of residence in the Netherlands, and the chosen coverage. We compare more than 30 insurers.

Can I switch without any hassle?

Yes. After the first contract period, you can cancel on a monthly basis, and we will handle the entire switch.

Personal advice on your expat car insurance at Finass Verzekert
Finass mascot

Why insure your expat car insurance via Finass Insures?

As an independent advisor, we compare more than 30 Dutch insurers and know the key considerations for your expat car insurance. Not a comparison site, but a real advisor.

  • 30+ insurersBroad comparison for the best premium
  • Within 2 minutesPremium calculated based on license plate
  • Knowledge of expat situationsBuitenlandse SVJ & Engelstalig
  • Personal adviceAvailable 6 days a week

What our customers say about their expat car insurance

Customers rate Finass Verzekert on average with a 9.5 and the handling of car damage with a 9.8.

9.5
Customer review
9.8
Claims handling

“As an Expat I was insured quickly, even without Dutch no-claim years. Finass took my foreign history into account.”

S
Sjoerd T.
All-risk — expat, import

“Fijn dat de begeleiding In het Engels kon. Helder en correct.”

T
Tjeerd M.
WA + Casco — Expat

“Mijn geïmporteerde Auto is netjes verzekerd tijdens mijn verblijf. Prettig geregeld.”

R
Ruurd N.
All-risk — expat

“Persoonlijk en Engelstalig geholpen als Expat. Aanrader.”

D
Douwe P.
WA + Casco — buitenlands License plate

Related car insurance

View the car insurance that suits your situation.

Exclusieve Car insurance →

For valuable and special cars.

Car insurance →

Third-party liability, third-party liability plus, and comprehensive for your car.

Importauto verzekering →

For an imported car.

Category: Relation  ·  Expat  ·  Exclusive  ·  Car insurance

Already insured and damaged?

Report your damage immediately, or consult your insurer's policy conditions and forms. In the event of damage, calling us is the fastest way. 072 - 509 24 56.

Ready to your expat car insurance to insure?

Calculate your premium and discover with which insurer your expat car insurance is well and affordably insured. Personal and independent advice from Finass Verzekert.

Damage or breakdown on the road? Emergency line 24/7: 06 - 55 20 40 72