If you are the owner of a car, motorbike or scooter, you must take out third-party insurance. This is stipulated in the Civil Liability Insurance (Motor Vehicles) Act (Wet aansprakelijkheidsverzekering motorrijtuigen, Wam). If you cause any damage with your motor vehicle, third-party insurance will cover this in most cases. You can take out third-party insurance with most insurers.
Third-party insurance for long-term use
Are you not the owner of a motor vehicle, but do you use it on a long-term basis? For example, because you are renting a car for an extended period? In that case, too, you must take out third-party insurance.
Laws and regulations (in Dutch)
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Last updated on 20 October 2025