Car insurance check: how can I tell if I am insured?

Not quite sure if and how your car is insured? Then it is wise to do a car insurance check. Then you can quickly see whether your car is insured and for what coverage. We explain how to do a car insurance check!

Do car insurance check

How do I do a car insurance check?

You can do a car insurance check very easily on the RDW website.

Go to the RDW website
Then enter the license plate number of your car
Choose the category 'Basic
Click on "Status of the vehicle".
Now you can see under 'WAM insured' whether your car is actually insured

Car insurance check: consequences if it turns out you don't have insurance

Is your car not insured, but you still take it out on the road? Then it has (major) consequences the moment you are stopped by the police or cause damage. Driving around in an uninsured car has the following consequences:

Fine from the RDW

The National Highway Administration keeps all kinds of data on cars, such as whether it has been MOT tested, sold or suspended, and whether the car has at least third-party insurance. Is your car not insured? Then you risk a fine of about €400. Even when your car is stationary. As soon as the license plate is in your name, the car must be insured. You can receive a fine for an uninsured car up to 3 times a year. Together this comes to €1200,- per year. A lot more than the insurance premium costs per year!

Police fine

Not only the RDW, but also the police can issue a hefty fine if they catch you driving an uninsured car. You are obliged to carry the green card of your insurance company. This shows that the car is insured. The fine from the police is even higher than the fine from the RDW, namely €550.

Any damages you pay for yourself

Do you drive damage in an uninsured car? Then the repair costs are at your own expense. Repair costs on a car can be high, from several hundred euros to thousands of euros. Not nice! And that's just talking about damage to the car. If there is personal injury, the costs can be much higher still. Not sure if your car is insured? Then always run a car insurance check!

CIS registration

If you are involved in a collision with an uninsured car, you will receive a CIS registration. As a result, you run the risk that no car insurance company will accept you. You will soon end up with an insurance company that specializes in insuring special risks, but at a significantly higher premium than normal.

Get car insurance right away!

Did you do the check and find out you don't have car insurance yet? Or would you like to switch car insurance companies? Then take out car insurance through Alpina.nl ! Through our easy online comparison tool you can easily compare different car insurances.

Enter your personal data and desired coverage and start comparing right away. With the license plate number and the registration code of the car you can take out the insurance directly online. This way you can be sure that you are always insured on the road.

Calculate car insurance premium