Compare & take out car insurance – always the best cover for your car
A car insurance is mandatory in the Netherlands as soon as your car is registered in your name. But which coverage do you choose – WA, WA+ or Allrisk? En hoe voorkomt u dat u te veel premie betaalt of bij schade voor vervelende verrassingen komt te staan? Finass Insures vergelijkt autoverzekeringen bij meerdere verzekeraars, zodat u een appropriate coverage and competitive premium for your car, electric car, youngtimer or second family car.
Car insurance through Finass Verzekert
- Choose from WA, WA+ (limited airframe) and Allrisk (Full Casco) .
- Comparison of multiple insurers for the best price/quality .
- Also for electric car, hybrid, youngtimer and second car .
- Possibility of additional Passenger insurance, Traffic legal aid and Roadside assistance .
- Support in case of damage: from reporting to settlement.
Tip: bring your current policy with you and we will immediately check whether it can be cheaper or better.
Why is good car insurance so important?
1. Legally required
In the Netherlands you are required to have at least one Third party car insurance te hebben zodra uw auto op uw naam staat. Hiermee is schade die u met uw auto causes in others verzekerd. Zonder WA-verzekering riskeert u boetes, een registratie bij het RDW en volledig eigen aansprakelijkheid bij schade.
2. Protecting your own car
Damage to your own car is not insured with third party liability alone. Do you also want to be protected against diefstal, brand, storm, ruit- and aanrijdingsschade? Then one WA+ or All-risk car insurance vaak verstandiger, zeker At one jongere of duurdere auto.
3. No financial setbacks in case of damage
A collision, hailstorm or theft can cost thousands of euros. With a well-chosen coverage that matches the age, value and use of your car, you will avoid major financial setbacks.
✔ Voldoen aan de Insurance splicht • ✔ Bescherming van uw auto • ✔ Financiële zekerheid voor u en uw gezin
What exactly is car insurance?
Basis: harm to others (WA)
A car insurance basically covers the legal liability (WA). Dit betekent dat schade die u Of uw auto causes in others (letsel and materiële schade) is verzekerd tot hoge wettelijke maxima. WA is verplicht, ongeacht de leeftijd of waarde van uw auto.
Depending on the coverage you choose, your car insurance may also apply damage to your own car vergoeden, bij For beeld bij diefstal, storm of een zelf veroorzaakte aanrijding.
Extensive: own damage & additional modules
In addition to the mandatory third-party liability coverage, you can expand your car insurance with:
- WA+ (limited airframe) – including theft, fire, storm, window damage.
- Allrisk (Full Casco) – also damage to your own car due to your own fault.
- Damage or accident insurance for passengers – protection for driver and passengers.
- Traffic legal aid – legal assistance in disputes and recovery of damages.
- Roadside assistance – roadside assistance, in the Netherlands and possibly abroad.
Finass Verzekert helps you put together a package that suits your car and your personal situation.
Which coverage do you choose: WA, WA+ or All-risk car insurance?
WA – Legal Liability
The minimal, legally required coverage. Reimburses damage you cause to others with your car.
- mandatory for every registered car;
- lowest premium;
- no coverage for damage to your own car.
Often suitable for older cars (± 10 years and older) with a limited current value.
WA+ – Limited Airframe
In addition to third party liability, you are insured for damage to your own car due to, among other things:
- theft and burglary;
- fire and explosion;
- storm, hail and other natural damage;
- window damage (asterisk or crack, according to policy conditions);
- collision with animals (policy dependent).
Own collision damage due to a steering error or collision not covered; Allrisk is needed for this.
Allrisk – Complete Casco
The most comprehensive car insurance. Allrisk covers, on top of WA+:
- damage to your own car due to your own fault;
- damage due to vandalism (policy dependent);
- damage if the other party is unknown or uninsured.
Usually recommended for new cars and young used cars with a higher value.
Guideline: 0–5 years often Allrisk, 5–10 years WA+, older than 10 years often WA. This always remains tailor-made - we are happy to think along with you.
What additional coverage can you insure?
Passenger insurance
Immediately passenger damage insurance are driver and passengers verzekerd For persoonlijke en materiële schade na een ongeval – ongeacht wie schuld heeft.
- compensation for personal injury and loss of income;
- reimbursement for damaged items (e.g. laptop, luggage);
- more comprehensive coverage than standard passenger accident insurance.
Traffic legal aid
A legal expenses insurance, traffic offers legal assistance with:
- recovering damages from an opposing party;
- discussions about liability after a collision;
- conflicts about the purchase, repair or warranty of your car.
Often relatively low additional premium for a lot of extra security.
Roadside assistance in the Netherlands & abroad
Of roadside assistance cover we will help you in the event of a breakdown:
- on-site assistance or towing to a garage;
- possible replacement transport (depending on the policy);
- can be expanded with coverage abroad and trailer/caravan.
No-claim protector / bonus protector
Some insurers offer one no claims protector. Hiermee kunt u één schade per jaar claim and , terwijl uw discount remains the same. Let op: uw claim-free years dalen vaak wel, wat later bij overstappen effect kan hebben.
Accessories & audio
Do you have additional options and accessories, such as rims, audio, navigation or charging station? Dan is het belangrijk dat de waarde hiervan goed is opgenomen in uw polis, zodat deze ook meeverzekerd are .
alternative transport
Some all-risk or WA+ policies offer standard or optional alternative transport. Handig als u bij schade niet zonder auto wilt zitten. Wij kijken graag Of u mee welke verzekeraar dit het beste regelt.
Car insurance for different types of cars
New & young used car
For one new car or young used car (up to approx. 5 years) is a All-risk coverage meestal het meest logisch. Hiermee is ook eigen schade door een stuurfout verzekerd en are er vaak New waarde- of aanschafwaarderegelingen possible.
Second hand car & family car
Are you buying one? second hand car or do you have an extra family car? Then there is often one WA+ of – bij oudere auto’s – Third party liability coverage pass and d. Wij help and u bepal and welke dekking nog verantwoord is t and opzichte van de dagwaarde.
Electric car & hybrid
At one electric car or hybrid other things are important, such as:
- cover for drive battery;
- co-insure charging cable, home charging point and accessories;
- special forms of damage, such as loading and fire damage.
Finass Verzekert pays special attention to this when choosing the insurer.
Youngtimer & older car
Are you driving one? Youngtimer of oudere auto met een bijzondere waarde? Dan kan een speciale Youngtimerpolis, soms met valuation report, be interesting. We are happy to discuss the possibilities.
Young driver
For novice drivers (meestal onder de 25 jaar) gelden vaak hogere premies en strengere voorwaarden. Finass Insures helpt bij een zo betaalbaar mogelijke oplossing, met oog voor veiligheid en duidelijke afspraken over de actual director .
Business use & gray license plate
Do you use your car (partly) for business or do you drive a van? gray license plate? Dan gelden andere For waarden en premiestellingen. Wij kijken of een private or business policy fits best.
What determines your car insurance premium?
Features of the car
- catalog value and current current value;
- make, type, year of manufacture and version;
- fuel type (petrol, diesel, electric, hybrid);
- mileage and annual mileage.
Driver & usage
- age and driving experience of the (main) driver;
- number claim-free years and damage history;
- use: private, commuting, business;
- region and zip code.
Coverage & deductible
- selected coverage: WA, WA+ or Allrisk;
- height of it own risk in case of damage;
- any additional coverage (passenger, legal assistance, roadside assistance);
- discounts, package benefits and promotions.
Wondering what you will pay? Calculate your premium online in just a few minutes or ask us for a complete quote comparative proposal on the basis of multiple insurers.
Claim-free years, no-claim discount & switching
Claim-free years & bonus-malus
The more claim-free years you have built up, the higher your no-claim discount en hoe lager uw premie. Na een schuldschade kunnen uw claim-free years dalen, waardoor uw premie stijgt. Elke verzekeraar hanteert een eigen bonus-malus table .
Finass Verzekert helps you gain insight into:
- which damage affects your claim-free years;
- what the effect is in the short and longer term;
- whether it is sometimes more beneficial to incur minor damage to pay yourself .
Switching car insurance
Switching is often possible per contract expiration date and with some insurers monthly. We arrange:
- mapping your current coverage and premium;
- the comparison with alternative insurers;
- It cancel your old policy and the correct transfer of your claim-free years.
This way you can switch to a better or cheaper package without any worries, without double coverage or uninsured periods.
Frequently asked questions about car insurance
Which coverage (WA, WA+ or Allrisk) suits my car best?
That mainly depends on the age and value of your car and your risk appetite. As a rule of thumb:
- 0–5 years: often All-risk, especially with a higher value or financing.
- 5–10 years: often WA+ (limited airframe) a good middle ground.
- 10+ years: regular third-party liability is sufficient, provided you can deal with damage yourself.
Dit is altijd maatwerk. Finass Insures rekent graag meerdere varianten naast elkaar door, zodat u een bewuste keuze kunt maken.
When should my car be insured?
Your car must are immediately insured zodra deze op uw naam staat en als kenteken actief geregistreerd is bij de RDW. Vaak regelt u dit op de dag van overschrijving. Heeft u nog geen autoverzekering gekozen? Sluit dan via Finass Insures snel een voorlopige dekking af, zodat u zonder risico de weg op kunt.
Can someone else drive my car?
Yes, occasional use by others is usually not a problem. It is important that the main driver – degene die het meest in de auto rijdt – correct is opgegeven. Staat de auto bij For beeld op naam van een ouder terwijl het kind in de praktijk het meest rijdt, dan moet dat eerlijk worden gemeld. Onjuiste informatie kan gevolgen hebben For de dekking bij schade.
How are my claim-free years taken into account when switching?
Uw claim-free years worden geregistreerd in een landelijke database. Bij een overstap vraagt de nieuwe verzekeraar deze gegevens op. Het aantal claim-free years bepaalt uw instapkorting en premie. Wij controleren of uw schadevrije jaren juist zijn overgenomen en leggen uit wat dit betekent voor uw premie nu en in de toekomst.
How exactly does a no-claims protector work?
Immediately no claims protector You can claim one claim per year from some insurers without your discount falls back immediately. Your claim-free years nemen echter vaak wél af, waardoor u At one latere overstap mogelijk minder korting krijgt At one nieuwe verzekeraar. Wij laten u graag zien of dit in uw situatie verstandig is.
Is damage caused to my car due to vandalism insured?
Damage due to vandalism is generally only insured with a All-risk car insurance. Bij WA of WA+ is vandalisme meestal niet gedekt. Twijfelt u over uw huidige dekking? Stuur ons uw polis en wij checken dit For u.
What about coverage abroad?
With your car insurance you are in any case insured in the countries listed on your policy green card staan vermeld. Dit zijn doorgaans de meeste Europese landen. Let op: Roadside assistance in het buitenland is vaak een aparte module. Gaat u met de auto op vakantie? Dan bekijken wij graag of uw dekking nog aansluit bij uw reisplannen.
What does car insurance cost on average per month?
Dat verschilt sterk per persoon en auto. Leeftijd, claim-free years, type auto, dekking en postcode spelen allemaal een rol. Een kleine auto met ervaren bestuurder kan enkele tientjes per maand kosten, terwijl een nieuwe, dure of elektrische auto met weinig claim-free years aanzienlijk duurder kan zijn. Via onze online calculation tool ziet u in and kele minut and wat de premie in úw situatie is.
Can I change or expand my car insurance in the meantime?
Ja, u kunt uw autoverzekering vaak tussentijds wijzigen. Denk aan verandering van dekking (bijv. van Allrisk naar WA+), het toevoegen van pechhulp of een Passenger insurance, of het doorgeven van een adres- of kentekenwijziging. Wij zorgen ervoor dat wijzigingen goed en tijdig worden verwerkt en adviseren over het beste moment om aanpassingen te doen.
What information does Finass Verzekert need for a quote?
For a good comparison and quotation, it is useful if you have the following at hand:
- license plate number or complete vehicle details (make, type, year of manufacture, version);
- mileage and estimated annual mileage;
- postal code and information about storage (on the street, carport, garage);
- date of birth and driver's license date of the driver;
- number of claim-free years and current insurer;
- desired coverage (WA, WA+ or Allrisk) and additional coverage;
- any special details (youngtimer, electric car, business use).
With this information, Finass Verzekert can quickly compare different car insurance policies and make a suitable proposal.
Want to take out car insurance? Calculate your premium or request a tailor-made proposal
Do you want your car? good and affordable insurance, met een dekking die echt past bij uw situatie? Finass Verzekert vergelijkt autoverzekeringen bij meerdere verzekeraars en helpt u kiezen tussen WA, WA+ en Allrisk, inclusief Additional coverage zoals inzittenden, rechtsbijstand en pechhulp.
Calculate car insurance online & take out it immediately
U ontvangt doorgaans binnen korte tijd een reactie. Samen zorgen we ervoor dat uw car insurance – en eventueel ook uw andere verzekeringen – good, clear and affordable have been arranged.
