How to check OC and AC discounts in the Netherlands?

How to check OC and AC discounts in the Netherlands?

You can buy OC or AC insurance with discounts from Poland or different countries safely online at or from one of our insurance advisors. Check out our best OC, MiniCasco and Autocasco insurance offers. At you can buy the best policy tailored to your needs without leaving your home.

Do you know how to check TPL (OC) and COMP (AC) discounts in the Netherlands?

If you have accumulated many years of accident-free driving, you can pay up to 50% less on your insurance.

Enter your vehicle registration number to check your insurance premium right away.

If you do not know how to check TPL and COMP discounts in the Netherlands, download and complete the application form available on the Insurance Guarantee Fund website and send it back to the Insurance Guarantee Fund.

discounts in the Netherlands

Compulsory liability insurance in the Netherlands

As the owner of the vehicle, you are obliged to take out at least a liability insurance policy. However, it should be remembered that the price of protection depends on many factors – there is no fixed premium that applies to all car owners.

One of the factors that significantly affect the amount of your insurance premium is your insurance history.

What should you know about the insurance check procedure at

  • The discount certificate cannot be older than 12 months.
  • The certificate must contain the details of the person who insures the vehicle.
  • The interval between vehicle insurance in the Netherlands and in Poland or different countries cannot be longer than 36 months.
  • Certificates from all previous insurance companies (not just the last one) must be provided.
  • 5 years are deducted for each TPL claim and most AC claims.
  • There are no co-owners of vehicles in the Netherlands.
  • Accident-free years can only be used for one vehicle.
  • If the discounts are accepted during the insurance check, the customer will receive a refund of the overpaid amount within 3 months.
  • Claim-free years are only counted for car, motorcycle or scooter insurance. This does not apply to trailers and bicycles.

You already know how to check TPL and COMP discounts in the Netherlands. However, remember that each insurance company has its own insurance history rating system. Thus, each calculation of the no-driving discount may be slightly different.

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