Car insurance in the Netherlands
Thread Starter
Joined: Mar 1999
Posts: 690
Likes: 8
From: UK
Car insurance in the Netherlands
If I have a UK registered car and intend to use it on a long term basis in the Netherlands, should I consider getting Dutch insurance for it? Or should I get UK insurance without any limits on how much it's used in the EU?
I don't intend to re-register the car in the Netherlands because (a) it is expensive to register (being 2.8 TD), (b) import tax makes it financially unviable, and (c) there is no guaruntee I will be there for a long time.
I don't intend to re-register the car in the Netherlands because (a) it is expensive to register (being 2.8 TD), (b) import tax makes it financially unviable, and (c) there is no guaruntee I will be there for a long time.
Joined: May 2002
Posts: 2,242
Likes: 0
From: Australia
If you don't plan to arrange new insurance in the Netherlands then strongly suggest you do discuss what you do plan to do with your current insurance company/broker.
If you had a prang in Amsterdam and the underwriter didn't even know you were there he/she may invoke 'non declaration of essential information' and refuse a claim - your present policy will proably have some conditions in the small print about 'uses abroad for other than on holiday' etc.
If you are making a major change in exposure, (in the eyes of the underwriter), in terms of location and therefore risk, (rural UK to, say, Amsterdam for example), you may be required to pay an additional premium for the period that you have the car in the Netherlands.
As already said, suggest you talk to your insurance company/broker as anecdotal stuff from others who may be driving in Europe on UK insurance may not be relevant to you/your current policy.
If you had a prang in Amsterdam and the underwriter didn't even know you were there he/she may invoke 'non declaration of essential information' and refuse a claim - your present policy will proably have some conditions in the small print about 'uses abroad for other than on holiday' etc.
If you are making a major change in exposure, (in the eyes of the underwriter), in terms of location and therefore risk, (rural UK to, say, Amsterdam for example), you may be required to pay an additional premium for the period that you have the car in the Netherlands.
As already said, suggest you talk to your insurance company/broker as anecdotal stuff from others who may be driving in Europe on UK insurance may not be relevant to you/your current policy.
