WA insurance (third-party liability) is the mandatory car insurance in the Netherlands. It covers damage you cause to others, including vehicles, property and personal injury.
This is the most basic and affordable option, often chosen for older cars or when you want to keep your premium low.
The most affordable minimum option
WA insurance only covers damage you cause to other people or their property. Damage to your own car is not included. This makes it the most limited form of car insurance, but also the most cost-effective.
It does not cover theft, fire or damage to your own vehicle. For broader protection, you can consider WA+ or All Risk insurance.
WA insurance is usually the best option if your car is older or has a lower value. In many cases, vehicles older than 10 years are insured with WA coverage.
If the cost of repairing your car is higher than its value, more extensive coverage is often not necessary.
WA insurance offers a straightforward and budget-friendly way to meet the legal requirement in the Netherlands. It ensures you are covered for damage to others while keeping your monthly costs low.
If you are unsure whether WA is the right option for your situation, we are here to help you compare and choose the right coverage.