Taking out compulsory third-party liability insurance for a motor vehicle

If you own a motor vehicle, e.g. a car, motorcycle or scooter, then you must take out third-party liability insurance. This is stipulated in the Motor Insurance Liability Act (Wet aansprakelijkheidsverzekering motorrijtuigen, Wam). If you cause any damage with your motor vehicle, you will probably be covered under third-party liability insurance.

Last updated on 17 May 2021

When do I need to take out third-party liability insurance?

You are obliged to take out third-party liability insurance (in Dutch) if you are the owner of a motor vehicle.

Third-party liability insurance for long-term use

If you are not the owner of a motor vehicle but you have long-term use of it (for example, because you are renting a car for a longer period of time), then you must take out third-party liability insurance.

Taking out third-party liability insurance

You can take out third-party liability insurance with most insurance companies.

Laws and regulations (in Dutch)

Law on motor vehicle liability insurance

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