What is third-party insurance?

WA stands for third-party liability. With WA insurance, you are insured against damage for which you can be held liable. In other words, damage that you cause to others with your car or other vehicle. When there is an accident with a car, the costs can mount up considerably. To protect the victims of an accident, it is therefore compulsory to have at least third-party insurance. This third-party insurance does not cover the damage to your own car and is therefore the cheapest car insurance you can buy. The third party insurance is obligatory for everyone who has a (motor) vehicle in his name. Also when you own a scooter or a motorbike, third party insurance is compulsory.

Which cover suits you?

Free recovery service
i Diks Insurances cooperates with 112schade.nl for the recovery of non-covered damage from the other party. Did someone cause damage to your property, but you have no coverage on your own policy? 112schade.nl can help you completely free of charge with recovering your damage from the opposite party.
Damage to others
i This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
Theft, joyriding and loss
i Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
Windscreen damage
i Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
Damage by fire or natural disaster
i In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
Own damage caused by a collision
i Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
Third-party liability (mandatory)
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All Risk (WA+Casco)
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Which cover suits you?

Third-party liability (mandatory)

  • Free recovery service
    i Diks Insurances cooperates with 112schade.nl for the recovery of non-covered damage from the other party. Did someone cause damage to your property, but you have no coverage on your own policy? 112schade.nl can help you completely free of charge with recovering your damage from the opposite party.
  • Damage to others
    i This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
  • Theft, joyriding and loss
    i Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
  • Windscreen damage
    i Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
  • Damage by fire or natural disaster
    i In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
  • Own damage caused by a collision
    i Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
Calculate Premium More information

Limited airframe

  • Free recovery service
    i Diks Insurances cooperates with 112schade.nl for the recovery of non-covered damage from the other party. Did someone cause damage to your property, but you have no coverage on your own policy? 112schade.nl can help you completely free of charge with recovering your damage from the opposite party.
  • Damage to others
    i This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
  • Theft, joyriding and loss
    i Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
  • Windscreen damage
    i Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
  • Damage by fire or natural disaster
    i In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
  • Own damage caused by a collision
    i Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
Calculate Premium More information

All Risk (WA+Casco)

  • Free recovery service
    i Diks Insurances cooperates with 112schade.nl for the recovery of non-covered damage from the other party. Did someone cause damage to your property, but you have no coverage on your own policy? 112schade.nl can help you completely free of charge with recovering your damage from the opposite party.
  • Damage to others
    i This is the basic and cheapest car insurance. You will be reimbursed for the damage you cause to third parties with your car, but not the damage to your car.
  • Theft, joyriding and loss
    i Besides the WA coverage, theft damage is now also compensated. Damage to your car caused by yourself (for example by a collision) is not compensated in this car insurance.
  • Windscreen damage
    i Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Note: If the damage to the glass is caused by an accident, this is not covered under limited hull cover.
  • Damage by fire or natural disaster
    i In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
  • Own damage caused by a collision
    i Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
Calculate Premium More information

Who is subject to the insurance obligation?

As soon as you put a car in your name, you are obliged to take out third-party insurance. This also applies if your car is not going to be used on public roads. Are you not going to use the car but, for example, to renovate it? In that case, you can suspend the registration number. The insurance obligation will then be temporarily cancelled. You can be fined for not insuring your car. This is easy to check. Owners of cars that are registered but not insured by one of the insurers are therefore in violation. Even if someone else drives your car, you are obliged to take out insurance.

Injured parties can claim directly against the insurer

In case of damage, the injured party can directly sue the car's insurer. This is usually done by means of a liability claim. Injured parties have a so-called direct right of action.

Which claims are insured?

As you can see from the name of the car insurance, it only covers damage to others. Damage to your own car is not covered by the car insurance. Insurers are allowed to extend the third-party insurance with, for example, higher insured amounts for personal injury. A more limited coverage is not allowed. Damages caused by others driving in your car are also insured. Even if your car is stolen and causes an accident, the insurer will pay the liability damage.

When to choose third-party insurance?

Due to the limited coverage, this car insurance is only recommended for older cars. For a car with a daily value of € 1,000 it does not make sense to choose a very extensive insurance. However, you can consider WA limited hull insurance. The premium is only slightly higher and you will receive compensation for broken windows and hail damage, for example.

Other coverages

What supplementary insurances are there?

Some additional insurances are very useful. We will explain all supplementary insurances to you. That way, you can make an informed choice.

Check the pros and cons of supplementary insurances

Which cover suits me?

If you also want to insure damage to your own car, you better choose a WA limited-casualty or even All-Risk car insurance. The coverage that suits you depends on a number of factors. Because of the limited coverage, WA car insurance is only recommended for older cars. Do you have a brand new car? Then All-Risk car insurance is better for you. So the age of your car is a determining factor, but certainly not the only one. Also consider:

  • What is the current value of your car?
  • Have you accumulated many claim-free years? In that case, a broader coverage is often advisable.
  • How dependent are you on your car?
  • Monthly premium. What is the cost of my car insurance?

Compare third-party car insurance

Do you want to take out third-party car insurance? Then it is wise to compare well. The differences between the various insurers can be substantial. Especially for young drivers it is often worthwhile to make a good comparison. The premium for a third party car insurance for 18 and 19 year olds has never been so high. On diks.nl you can easily calculate a premium. Fill in your details and find out which third party insurance is best for you.

Is third-party insurance mandatory?

You are legally obliged to insure a car as soon as the license plate is put in your name. From that moment, your details as the owner are known to the RDW. A car that has already been transferred to your name, but is still with the seller, for example, must be insured in your name from the moment of transfer. Read more

What does third-party car insurance cost?

The premium for a third party car insurance depends on several factors. For example the weight of the car and the age of the driver. Click here to calculate a premium for third party motor insurance.

Does third-party insurance have an excess?

Normally, no excess is charged for third-party insurance. It is possible that insurance companies, in special cases, may impose an excess on the third-party insurance. You will be informed of this before the insurance is approved.

If, for example, you have an excess of €100, you will have to pay the first €100 yourself if you make a claim. Everything above that amount will be reimbursed by the insurance.

Top 6 Cheapest Third Party Insurances 2022

When you buy car insurance, you are probably looking for insurance that is as cheap as possible. Besides the fact that the car insurance has to be cheap, it is also important that the car insurance fits your needs. Therefore, we always advise you to use a comparison tool. This way you can find out which car insurance is best for you.

*The premiums are based on a fictitious person driving a Citroen C1. The person is a man, 40 years old, living in Goes with 10 years without damage. The calculation is made in January 2020 with the Diks.nl calculation tool
InsurerCoverMonthly premium
ASRWA€ 16,09Calculate premium
Nationale NederlandenWA€ 17,79Calculate premium
AutoprismWA€ 18,41Calculate premium
AllianzWA€ 24,59Calculate premium
AutoExcellentPolisWA€ 24,99Calculate premium
AveroWA€ 26,54Calculate premium

Compare premiums online for cheap car insurance!

  • i To calculate the premiums, we need the postal code of the main driver. In case of private use, the youngest driver must reside at the same address as the applicant. In case of business use you can fill in the postal code of the company.

How do we do it?

Last updated: 16-12-2021

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