# Pay-per-km car insurance in the Netherlands and Belgium

Updated 24 September 2026. https://cushly.eu/guides/pay-per-km-car-insurance/

**Short answer:** Most car insurance in the Netherlands and Belgium is priced by the mileage band you declare, for example up to 7,500 or up to 15,000 km a year. True pay-per-km policies settle against readings instead: ANWB in the Netherlands and Belfius Direct in Belgium charge a fixed part plus an amount per kilometre you drive. Cushly sells no policy yet; its idea is a price per kilometre driven on FSD (Supervised), counted from two dashboard numbers and nothing else.

## How mileage bands work

Almost every Dutch insurer asks how many kilometres you expect to drive in a year. The Consumentenbond calls this the kilometrage and writes that bands usually run from 0 to 7,500 km a year up to more than 40,000 km a year. The average Dutch driver sits between 12,000 and 15,000 km a year, which is why most quotes default to a band around that number.

Belgian insurers ask the same question at quote time: yearly kilometres are one of the factors behind the premium. The exact steps differ per insurer, so the band is part of the quote rather than a detail you fill in later.

Pick the band with a margin. If you expect to land near 7,500 km, the Consumentenbond advises choosing the higher band. You pay a little more premium and you avoid an argument after a claim.

## What happens if you drive more than you declared

Your premium rests on the number you gave. The Consumentenbond warns that an insurer can refuse to pay a claim or end the policy if you declared far too few kilometres. The kilometre reading is recorded at a claim, so the gap comes out at the worst moment.

Expect a change, such as a new job with a longer commute, and tell your insurer before the year runs out. The policy is adjusted and you pay more from that point on. Drive far less than your band allows, and the same call usually lowers the premium.

## How pay per km with readings works

ANWB launched its Kilometerverzekering in July 2026 for drivers up to 8,500 km a year, ANWB writes on its own news page. Customers pay a lower fixed premium per month plus an amount per kilometre each quarter. A dongle in the car counts the kilometres and the app shows them. The cover stays in place when the car stands still, with WA, WA+ Beperkt Casco or All Risk.

Belfius Direct sells an Assurance au Kilomètre in Belgium. You declare the kilometres you expect, send the real reading at the end of the insurance year, and Belfius recalculates the premium. Drive less and Belfius refunds the difference; drive more and you pay extra but you stay covered for every guarantee you chose. Past 25,000 declared kilometres, extra kilometres cost nothing.

|  | Mileage band | Pay per km |
| --- | --- | --- |
| You declare | A yearly band at quote time | Expected kilometres at quote time |
| Measured by | A reading at a claim or on request | A dongle, an app, or a yearly reading |
| You drive more | Report it; a claim can be refused | The premium is recalculated; cover continues |
| You drive less | Ask for a lower band | A refund or a lower bill |

## How Cushly’s idea differs

Cushly is a waitlist, not an insurer, and it holds no insurance licence. There is no policy to buy and no price to quote, as of September 2026. The idea is a premium that follows one number: kilometres driven on FSD (Supervised).

That number comes from two counters you report: total kilometres and FSD kilometres. No dongle, no tracking app, and never a location. A reading answers how far the car went, never where it went. Work out your own share with the [FSD share calculator](https://cushly.eu/tools/fsd-share/).

## Is pay per km cheaper when you drive little

Sometimes, and only below a line. The Consumentenbond compared the ANWB kilometre policy with the regular ANWB policy and found the kilometre version cheaper up to about 6,000 km a year. Above that the regular policy wins. ANWB itself says its kilometre customers save between 100 and 120 euro a year, which fits drivers far below the average.

The honest check is your own number. Take last year’s kilometres from your service invoice or APK report and price both variants against it. How to count the year is in [Odometer readings for insurance](https://cushly.eu/guides/odometer-readings-for-insurance/).

## Questions

### Do I stay insured if I drive past my declared kilometres?

With a band policy, tell your insurer at once; the Consumentenbond warns that silence can cost you the claim. With the Belfius Direct Assurance au Kilomètre, Belfius writes that you stay covered and the premium is recalculated on the real reading.

### Does pay per km track where I drive?

ANWB counts kilometres with a dongle and shows them in its app. What exactly a device records is in the policy terms, so ask the insurer before you sign. Cushly plans no dongle and no location, only two counters.

### Can I change my mileage band during the year?

Yes. The Consumentenbond advises reporting the new number so the policy is adjusted. Expect a higher premium if you drive more, and a lower one if you drive less.

### Does Cushly sell a pay-per-km policy?

No. Cushly is a waitlist for motor insurance priced on FSD kilometres, with quotes starting in the Netherlands and Belgium. There is no policy to buy yet, as of September 2026.

### What readings would Cushly ask for?

Two counters: total kilometres and kilometres on FSD (Supervised). Never a location.

## Sources

- [Consumentenbond: Invloed van kilometers op je autoverzekering](https://www.consumentenbond.nl/autoverzekering/kilometers-en-autoverzekering)
- [ANWB: Kilometerverzekering voor weinigrijders (6 juli 2026)](https://www.anwb.nl/verzekeringen/nieuws/2026/juni/anwb-introduceert-kilometerverzekering-voor-weinigrijders)
- [Belfius Direct Assurances: Assurance au Kilomètre](https://www.belfiusdirect.be/fr/mobilite/auto)

_General information, not advice on your policy. Cushly is not Tesla and not an insurer._