An Abarth is a city car with the power of a sports car; on this car it is that ratio of power to kerb weight that determines both acceptance and the rate.
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In brief
Abarth is not a platform in its own right but a development: the 595 and 695 sit on the floorpan of the Fiat 500, the 124 Spider on that of a compact roadster. The body stays small and light, the engine does not. On this type of car, insurers look mainly at power per kilo rather than at dimensions, which puts an Abarth in a higher rating group than an ordinary small car of the kind you will find on our page about MINI .
Few models are modified as often. A different exhaust, larger wheels, a lowering kit, a sports air filter or a remapped engine turns up constantly on second-hand examples. Anything that differs from the factory specification must be declared when you apply; Article 7:928 DCC places that duty of disclosure on you. If you do not, the insurer may under Article 7:930 DCC reduce or refuse the payout, even where the modification had nothing to do with the damage.
The second question is how the car is used. Many Abarths sit alongside a family car and cover few kilometres. That brings the rate down, but ties you to the mileage band you declared. What own-damage cover includes is set out under comprehensive cover.
The structure of the cover in three parts, with an overview per situation below.
Compulsory
Third-party liability
Damage you cause to others.
Required by law
As long as the registration is in your name
Suspend the registration when not in use
Third-party liability plus
Third-party, fire and theft
Causes beyond your control.
Fire and storm
Theft
Windscreen damage
Comprehensive cover
Comprehensive
Including damage you cause yourself.
Own fault
Vandalism
Replacement-as-new period
What is covered
Situation
Third-party liability
Third-party, fire and theft
Comprehensive
Damage to the other party
Yes
Yes
Yes
Theft
No
Yes
Yes
Fire and storm
No
Yes
Yes
Damage you cause yourself
No
No
Yes
Wear and mechanical defects
No
No
No
Driving without a valid licence
No
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Modifications only count if they are on the policy
A Record Monza exhaust, a different set of wheels or a remap increases the value and sometimes the power. Undeclared parts are not an insured interest when you claim: the insurer will pay no more than for the standard specification. If the modification increases the power, it also affects the rating group on which the premium was based. Report every change in writing and keep the confirmation; telling a mechanic is not notice to the insurer.
The damage is usually urban damage
These cars make short journeys, mostly in built-up areas. What comes to us is not head-on collisions but kerbing damage to wide wheels, a cracked front spoiler on a speed bump, scrapes along the sills and parking damage caused by others. Under comprehensive cover that is paid for, but your excess applies per event and an at-fault claim counts against your no-claims years. With small amounts like these it pays to work out in advance whether claiming is sensible.
Open top: the roof is insured, the contents are not
The 124 Spider has a fabric hood. Vandalism to that roof, or cutting through it, falls under own-damage cover, and cutting it counts as forced entry. What is taken from the car does not: luggage, clothing, tools and loose electronics are not part of the vehicle. Loose or built-in audio and navigation equipment not fitted at the factory also carries its own limit in the conditions.
Driving few kilometres is an agreement, not an estimate
If you run the Abarth as a second car, you fall into a low mileage band. That declaration is binding. If the odometer consistently runs higher, report it; otherwise the insurer may reduce the payout proportionately. Note too who drives: no-claims years belong to the main driver. Lending the car to someone who is not known as a driver can affect the cover.
What does your premium depend on?
Power in relation to kerb weight — On a light car with a turbo engine this ratio counts for more than the list price.
Version and body type — A 595, a 695 or a Spider with a fabric hood each have their own claims pattern and rate.
Declared annual mileage — Use as a second car with few kilometres gives a lower rate, but ties you to that band.
Declared modifications and accessories — Exhaust, wheels, suspension and audio are valued separately and sometimes insured up to a limit.
Age and no-claims years of the regular driver — In this power class, insurers more often set a minimum age or a minimum number of no-claims years.
Storage and the excess you choose — A locked garage as against street parking in town, and the excess you choose yourself.
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Do I have to declare a sports exhaust or different wheels?
Yes. Every departure from the factory specification belongs on the policy, even where the power is unchanged. Undeclared parts are not paid for when you claim and can, under Article 7:930 of the Dutch Civil Code, affect the whole payout. When you apply, give a list of what has been fitted and have it recorded up to what amount those items are insured.
Can a young driver insure an Abarth?
It is possible, but not with every company. Because of the combination of low weight and high power, insurers more often set a minimum age here or require a number of no-claims years. We set several insurers' acceptance conditions side by side, so that you do not run into a refusal that then has to be declared on your next application.
Is kerbing damage to a wheel covered?
Under comprehensive cover, yes, because that is damage you cause yourself. Under third-party, fire and theft, no: that cover names only external causes such as fire, storm, theft and glass damage. For a single damaged wheel, first take your excess into account and bear in mind the loss of no-claims years; paying yourself is often cheaper.
Does an older Abarth still need comprehensive cover?
That depends on the market value and on the modifications fitted. If the car carries thousands of euros of parts that you have had insured separately, you largely lose those under third-party, fire and theft. If the car is paid for and the value is limited, third-party, fire and theft is often the more logical choice.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
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