WA is the compulsory Dutch motor third-party liability layer. It is not the same as all-risk physical damage cover for your own vehicle.

EU / UK · EUR · Dutch / English

NetherlandsNederland

Direct answer: Dutch motor WA (wettelijke aansprakelijkheid) is compulsory; WA+ / all-risk and inboedel/opstal covers are optional upgrades you choose after the legal floor.

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Motor

WA (wettelijke aansprakelijkheid) motor liability is compulsory; WA+ and all-risk layers are optional.

Home

Inboedel (contents) and opstal (buildings) are standard splits for tenants vs owners.

Life assurance

Overlijdensrisicoverzekering (term life) is often tied to mortgages.

What to do this week

Confirm WA limits first, then decide whether WA+ or all-risk matches the car’s value.
Tenants usually need inboedel; owners need clarity on opstal.
Confirm live rules with AFM.

FAQ

What does WA cover?: WA is the compulsory Dutch motor third-party liability layer. It is not the same as all-risk physical damage cover for your own vehicle.