In the Netherlands, if you have a (company) vehicle, you must have liability insurance (third-party insurance) (WAM or WA). This will cover any damages that you may cause to others with your vehicle. Additionally, you can take out other vehicle insurances such as passenger insurance.
Mandatory third-party liability insurance
Third-party liability insurance for your vehicle is mandatory. Not only for cars, but also for other vehicles such as:
- scooters, (light) mopeds, or speed-pedelecs
- agricultural vehicles and mobile machines
RDW checks obligation to take out insurance
The Netherlands Vehicle Authority (RDW) checks regularly whether your (company) vehicle is insured. If it is not, you may be fined. Trailers are covered under the third-party insurance for the vehicle towing the trailer. You do not need to take out a seperate liabilty insurance.
When to take out vehicle insurance?
You must take out third-party insurance as soon as the car is registered in your name. You can choose which insurance company you take out third-party insurance with. The insurance company must be able to register in the RDW's insurance register. In genreal, only Dutch insurance companies can do so.
What is covered by third-party insurance?
Third-party insurance compensates for damage you cause to others with your vehicle. For example, costs for medical treatment or costs for repairs. Third-party insurance does not cover costs for damage to your own vehicle. For this you can take out extra insurance with your third-party liability insurance (third-party liability plus limited cover - WA beperkt casco, or third-party liability plus comprehensive cover - WA volledig casco).