Centraal Beheer calculates insurance value. We show you what the market asks right now.
Centraal Beheer calculates your car's daily value for insurance purposes. They use a depreciation formula that determines the insured value: what it would cost to replace a comparable car if yours is written off. That is a different question from what your car would fetch on the open market right now.
We answer the other question: what does the market ask right now for a car like yours? That is the price you get when you sell it, or pay when you buy one. And that often differs from the insurance daily value.
Centraal Beheer vs. Keuro
| Centraal Beheer | Keuro | |
|---|---|---|
| Method | Verzekeringsdagwaarde (afschrijving) | Current listings |
| Data | RDW-data + ANWB-formule | Live market prices |
| Updates | Periodiek | Daily |
| Price | Gratis | Free |
| Email required | No | No |
| Represents | Verzekeringswaarde | What the market asks right now |
Why a formula falls short
A depreciation formula works with list price, age and mileage. What it does not include: current supply and demand. And that fluctuates considerably.
- ▸ Diesels. After the nitrogen crisis, demand for diesels dropped sharply. The formula did not keep up. Buyers paid less; the price list said otherwise.
- ▸ Electric cars. High demand and limited supply push popular EV prices above the formula. Subsidies and lease rules amplify that effect.
- ▸ Popular models. A Volkswagen Golf or Toyota Yaris retains its value better than the average formula suggests, purely due to consistent demand.
Only when both add up can you say something meaningful about the value: the price and the mileage both need to be in line with what the market asks right now.
Want to find out the market value of your own car right now?
Enter your plate →See an example
See the current market value of a Volkswagen Golf, a Toyota Yaris, an Opel Corsa or a Fiat 500.
Frequently asked questions
Centraal Beheer uses the daily value to calculate your car insurance. If your car is written off, the insurer pays the daily value: what it costs to buy a comparable car. That value is determined using a depreciation formula, not current listings.
Not always. The insurance daily value is what the insurer thinks the car is worth based on a formula. The market value is what buyers actually pay. Popular models sometimes fetch more on the market than the insurer pays out.
We show the current market value: what comparable cars are advertised for on AutoScout24 today. That is the price you can expect when you sell your car. Free, no account, instant result.