Do you own a car? If so, you probably know you need to insure it. In this blog, you’ll learn which car insurance is right for you and how different policies differ.
Types of car insurance
Third-Party Liability Insurance (OC) is mandatory for everyone who owns a car. It protects your car from financial consequences if a collision or road accident occurs.
MiniCasco Insurance is an extended form of third-party liability insurance. In addition to covering damages caused by your fault, it also covers damages resulting from weather conditions, theft, or collisions with animals.
Comprehensive Insurance (AC) is optional car insurance. It covers the costs incurred during collisions — both yours and the other party’s. AC insurance also covers damages to your vehicle, even if they are your fault.
Difference Between Third-Party Liability and Comprehensive Insurance
Mandatory Requirement – OC insurance is mandatory, while AC is an additional, voluntary insurance. Moreover, AC is not available for every car.
Scope of Coverage – OC insurance compensates victims when you cause material or personal damage to other road users. On the other hand, AC compensates you if your car is stolen, damaged by third parties, natural forces, or even if you damage it yourself, e.g., in a self-caused collision.
Types of Policies – OC only has one variant, whereas AC policies come with full flexibility. At Polisa.nl, you can choose a full, extended version of AC or a limited MiniCasco insurance. Contact our advisors for details.
Which car insurance should you choose? Contact us!
When it comes to OC, the decision is straightforward. The scope of coverage is always the same, and it’s mandatory for every vehicle. With Polisa.nl, you can pay less because we accept all your discounts from your home country!
With full Comprehensive Insurance, you can avoid severe financial consequences from events like theft, fire, flooding, or parking lot damage. You can also extend your coverage to include roadside assistance across the Netherlands or Europe.
Have questions? Don’t wait! Call 088 1021 544 to speak with our Polish-speaking consultants, who will answer all your questions! We’re available 7 days a week!
