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When is it best to change your car insurance?

When you purchase auto insurance, you naturally choose the coverage that best suits your car and your personal situation at the time. However, you may find that after a number of years your car insurance doesn't quite fit you anymore, for example because your car has decreased in value. Therefore, it is important that you check your car insurance coverage every year to see if it is still a good match. If it appears that you should lower or increase the coverage, you can change your car insurance. By changing your car insurance you may be able to save on the premium. Find out how and when to change your car insurance at Alpina\.nl.

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changing your car insurance

When to change cover?

People change their car insurance for different reasons. Maybe you have an all-risk cover, but your car has lost a lot of its value in the meantime. After all, the value of a car goes down immediately after you buy it. Or maybe you have chosen a WA car insurance, but you would rather have more extensive coverage. At that moment you can change the coverage of your car insurance. You can increase or decrease the coverage, but different conditions apply for both.

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Increase coverage

With most insurers, it is possible to increase the coverage of your car insurance during the term of the policy. Of course, this has consequences for the premium. If you choose higher cover, the premium for your car insurance will also increase. Changing your car insurance to a higher coverage is usually possible at any time during the term of your insurance. For example you can change from WA to WA + Limited Casco or from WA+ to Allrisk.

Reduce cover

Most insurers allow you to change your car insurance to a lower level of cover only at the end of the contract period. Lowering your cover in the meantime is usually not possible. Of course, there are always exceptions, so it may be possible with your insurer. You can check this in the policy conditions or by contacting the insurer.

Benefits of changing car insurance

Changing your car insurance has several advantages. Check annually whether your current insurance still meets your needs and wishes. Are you not satisfied with the coverage or does it no longer match the value of your car? Then you can change your car insurance. This way you never pay too much for your car insurance.

Even if you buy a new car, changing your insurance policy can have advantages. Maybe you have a WA insurance, but for your new car a WA+ or All Risk coverage would be better. By changing the coverage, you ensure that you are not underinsured.

Change your car insurance directly through Alpina!

A change almost always affects the amount of the premium. We therefore recommend that you always compare providers. You may find that changing your coverage with another insurer is cheaper. You can easily compare car insurances with our free online comparison tool. You will immediately see which insurer offers the lowest price.

Changing your existing car insurance policy? At Alpina.nl you can make a change very easily. Most changes you can simply arrange online. Do you still have questions about changing your car insurance or are you having trouble? Please contact us. You can reach us on weekdays from 8 a.m. to 6 p.m. by phone at 088 - 688 3700. You can also always send us a message via chat. WhatsApp or Messenger.

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  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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