Independer’s research shows that less than 30 percent of motorists choose WA when it is enough for them. In that case, did you go for WA+? Then in 2024 you paid a total of €70 more than necessary. A similar trend is visible among drivers who have sufficient WA+. Here, half opt for all-risk insurance and it therefore costs an average of more than €400 more. For young people the difference can even amount to more than €1,000. Car insurance has risen sharply in price in recent years. Independer calculated that the average premium increased by more than €600 in ten years. For example, in 2015 you paid an average of ‘only’ €582.32, compared to €1186.78 last year. “Given the significant increase in recent years, it is worth being careful about your current coverage. For example, ask yourself whether you still need comprehensive insurance. One of the easiest ways to find out is with a comparison This way you choose the package that suits your needs, without paying too much,” says Menno Dijcks, car insurance expert at Independer. What is the right coverage? When deciding to change your coverage, it is important to consider the age of your car. For example, do you drive a ten-year-old Volkswagen Golf with comprehensive insurance? Then you can save a lot. If in doubt, you can use the rule of thumb below: 0 to 5 years: all-risk 5 to 10 years: WA+ 10 years and older: WA “It is good to know that the rule of thumb does not apply in some cases”, says Dijcks. “Every car is unique. Do you drive a luxury sports car that is twenty years old? Then you may still want to insure it all-risk. That is why it is always good to look at your personal situation before you decide to adjust your policy.”
Source: www.autoweek.nl
