Insurance

Once a car is registered in your name, the car must be insured.

The car must be at least WA insured. WA means third-party liability. In the event of damage, the damage will be compensated to the other party. The insured person will not receive any compensation themselves.

If you find third-party insurance too limited, you have two other choices. The first option is third-party insurance plus limited hull coverage. Also called WA plus.
This insurance covers the same as a third-party insurance, but also pays for damages such as broken windows, theft (limited), auto-ignition and damage caused by stray wildlife, parts falling from aircraft, etc.

The third option is full hull insurance. In other words, All-Risk insurance. The name actually says it all. This insurance covers all damage caused to the vehicle, even if it is due to your own fault.

A car must be insured by law. But this does not mean that an insurance company will always pay for the damage. In some cases, the insurance is not valid (anymore). This means that you must compensate the other party for the damage yourself, which can cost several euros. Especially if physical injury is also involved, among other things, insurance companies cannot pay out:

• If you do not hold a valid B driving license.
• If you are found to have drunk too much alcohol.
• If you have used another narcotic or certain medications.
• If you participated in a competition.
• In case of concealment. Suppose an insured person has concealed something that is in the interest of the insurance (e.g. a decent claims history, an ex-convict, ever had a driving disqualification, disqualification from driving, etc.). In that case, the insurer will either not pay out or will indemnify the other party and recover the damages paid from you. In addition, the insurer will have the option of cancelling the insurance retroactively and/or imposing a fine through the courts.
• If it turns out that the vehicle was not APK (MOT) approved.

As you can see, it is unwise not to adhere to these points for your own benefit. Keep in mind that if you are not insured and cause an accident, it will pretty much ruin your future!

If it turns out after an accident that the seatbelt was not used, there is also the possibility that an insurance company will not reimburse medical expenses.