Buying a Car in the Netherlands: A Guide for Expats
Whether you're settling into Dutch life or just looking for more travel flexibility, owning a car can be a convenient option. Here's what you need to know when buying a car in the Netherlands as an expat.
Should You Buy New or Used?
New cars come with manufacturer warranties and no history concerns but are typically more expensive due to high taxes. Used cars are more affordable and readily available via dealerships, private sellers, or platforms like Marktplaats and AutoScout24.
Registering the Vehicle
All cars in the Netherlands must be registered with the RDW (Rijksdienst voor het Wegverkeer). Registration is typically handled by the dealership, but private buyers must visit an RDW-approved location. You'll receive a registration card and a vehicle registration code (tenaamstellingscode).
Mandatory Road Tax (Motorrijtuigenbelasting)
Road tax depends on the weight of the car, type of fuel, and the province you live in. You’ll receive a quarterly bill from the Dutch Tax Office.
Vehicle Insurance Requirements
Insurance is mandatory. At minimum, you need third-party liability coverage (WA-verzekering). You can also opt for WA+ (limited coverage) or All-risk (comprehensive) insurance, depending on your car's value and age.
APK Inspection
Vehicles older than three or four years (depending on fuel type) require an annual technical inspection (APK - Algemene Periodieke Keuring).
Additional Costs to Consider
- Registration fees
- Road tax (quarterly)
- Fuel (petrol, diesel, electric)
- APK inspection costs
- Maintenance and repairs
- Insurance premiums
Leasing or Financing Options
Leasing is popular, especially for expats staying short to medium term. Personal leases include maintenance, road tax, and insurance. Financing through banks or dealers is also possible, but be aware of interest rates and conditions.
Importing a Car?
Importing a car is possible but requires RDW approval and payment of BPM tax (based on CO2 emissions). You must also comply with Dutch roadworthiness and registration standards.
Final Tips
Buying a car in the Netherlands is relatively straightforward. Always request a NAP report (to verify mileage), check the APK status, and test drive before buying. Consider professional help when dealing with private sellers.