Set off without worry: practical tips for your first insured miles

You’ve got your sights set on your first car and are eager to hit the road. But arranging everything for your new pride and joy takes some work. How do you decide what cover you need, or which insurer suits you best? In this article, you’ll find out what’s important when taking out your first car insurance—so you don’t get caught out by any surprises later on.

Settle on cover and budget

Before choosing a car insurance, think about your budget and how much you’ll use the car. Do you mainly drive short journeys in the neighbourhood, or are you often on the motorway? For newer or higher-value cars, it often pays to opt for broader cover. You’ll pay a bit more, but you’re better protected if something goes wrong. Also check if you qualify for a discount—perhaps you’ve insured a scooter or moped for years and have built up a claim-free record. That can save you money.

Pick the right base

Every policy starts with third-party liability insurance. This is required in the Netherlands and covers legal liability. It pays for damage to others, but not your own car. If you’re buying a cheaper used car, third-party only might do the trick. Is your car fairly new, or do you want more peace of mind? Then you can go for Liability Plus (third-party fire and theft) or even Fully Comprehensive. These offer broader protection, but cost more. So think carefully about your car’s value and your own risk appetite.

Weigh up extra options

Some people like to add extra cover—such as personal accident insurance or legal assistance. This is worth considering if you’d like support with disputes, or if you want your passengers to be covered. Do check you’re not doubling up though: your travel insurance or another policy may already cover these. So read the small print or ask someone in the know for advice. Always shop around too. Taking a few minutes to compare providers or read customer feedback can really pay off.

Check back in now and then

Once you’ve taken out your first policy, it’s easy to stick with it. But your situation can change. Maybe you’re driving less than you expected, or your car has lost value after a while. You can always switch or adjust your cover. Keep track of your no-claims years too—most insurers reward careful drivers with a discount. But a small accident, like bumping a post, can change your premium. So stay on your toes, and make sure your car and insurance truly suit your needs. That way, you’ll be well covered and won’t pay over the odds.