If you have a car, motorbike or scooter, you must take out third-party insurance. This covers any damage you cause with your motor vehicle. If, on the grounds of your religion or beliefs, you do not want to take out third-party insurance, you can apply for an exemption from the insurance obligation.
Last updated on 4 August 2026
Exemption from the insurance obligation in 2 steps
Do you want to apply for an exemption from the insurance obligation? You can do so in 2 steps:
1. First, you will need an exemption as a conscientious objector (gemoedsbezwaarde). You can apply for an exemption as a conscientious objector from the SVB (Social Insurance Bank).
2. Once you have received your exemption as a conscientious objector, you can apply for an exemption from the obligation to take out third-party insurance. You can apply for an exemption from the obligation to take out third-party insurance at the Waarborgfonds Motorverkeer (Motor Traffic Guarantee Fund).
Paying for damage without third-party insurance
If, as a conscientious objector, you do not have third-party insurance, you must pay an annual contribution to the Fonds Middelen Gemoedsbezwaarden (Conscientious Objectors’ Fund). This ensures that you will receive compensation for any damage you may cause.
Laws and regulations (in Dutch)
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