Exclusive car insurance for luxury & high-performance cars
Are you driving one? luxury car, sports car, youngtimer, electric performance car or exclusive brand? Then a standard car insurance often does not fit in well with the actual current value, new value or appraisal value. With exclusive car insurance you opt for tailor-made solutions that suit your car and your use.
This page provides general information about exclusive car insurance. Finass Verzekert is happy to assist you with personal advice.
Exclusive car in short
- Customized coverage for luxury cars, sports cars, youngtimers and exclusive brands.
- Possibility to new value, purchase value or appraisal cover.
- Extra attention to security, usage profile and damage history.
- Finass Verzekert compares premium car insurers for you.
Why exclusive car insurance?
Higher and special vehicle value
Luxury cars, sports cars and certain youngtimers deviate from standard cars in terms of value development. Regular car insurance does not always fit in well with this.
Specific risks and components
Exclusive cars often have more expensive parts, special rims and high-quality technology. Repair costs are higher and require appropriate comprehensive or all-risk coverage.
Customized coverage and conditions
With exclusive car insurance, more is possible in terms of new value, purchase value, appraisal and additional coverage such as replacement transport and accessories.
What does exclusive car insurance cover?
WA (Third Party Liability)
Mandatory basic coverage for damage you cause to others with your car. Always at least necessary to be allowed on the road.
WA + Limited Casco
Coverage for, among other things, theft, burglary, fire, storm, window damage and certain natural damage. Suitable if you want to insure less deductible risk.
Allrisk (Full Casco)
Most complete coverage, including damage to your own vehicle due to your own fault, vandalism and single-vehicle collisions caused by the car.
Frequently selected additional coverage
New value or purchase value scheme
In the event of total loss or theft, you will receive (within the agreed period) the new value or purchase value, instead of just the current value.
Valuation coverage for exclusive cars
For youngtimers, vintage cars and cars with special value, coverage can be based on a recent valuation report.
Legal aid & SVI
Traffic legal assistance and passenger damage insurance (SVI) offer extra protection for driver and passengers.
What determines the premium of an exclusive car insurance policy?
Value and type of vehicle
Make, model, year of manufacture, catalog value or appraisal value play a major role. Supercars and very exclusive models have a different risk profile than regular cars.
Usage and mileage
Is the car used daily, only as a hobby or limited in the summer? The usage profile and number of kilometers per year count.
Coverage choice and deductible
All-risk or limited comprehensive coverage, additional coverage and the amount of the deductible influence the premium. A higher deductible can result in a lower premium.
Security and storage
The presence of a certified alarm, track & trace and secure storage (garage, closed area) are important for acceptance and rate.
Driver & damage history
Age, number of claim-free years, any previous (major) damage and your driving history are taken into account in determining the premium.
Combination opportunities
Are you combining multiple vehicles or insurance policies? Sometimes package discounts or customized agreements are possible.
Curious what this means in your situation? Request a non-binding premium estimate.
Who is exclusive car insurance suitable for?
Luxury and premium cars
For example, models from Mercedes-Benz (AMG), BMW (M), Audi (RS), Lexus and similar brands in the higher segments.
Supercars & sports cars
Cars such as Ferrari, Lamborghini, McLaren, Aston Martin and other high-performance vehicles with high purchase and repair costs.
Youngtimers, vintage cars & collections
Vehicles with collector's value or increasing market value, for which an appraisal and special conditions are required.
Valuation, security & policy conditions
Security and storage
Exclusive cars often have additional security requirements. Consider:
- Alarm system class 3 or higher.
- Track & trace or vehicle tracking system.
- Secure storage, preferably in a closed garage.
Good security reduces the risk of theft and is important for coverage and premium.
Appraisal and valuation
Insurers often ask for a recent valuation report for youngtimers, vintage cars and exclusive cars. This prevents discussion in the event of damage and ensures that the payment corresponds to the actual value.
Finass Verzekert helps you coordinate the appraisal, valuation and the chosen policy form.
Frequently asked questions about exclusive car insurance
```What is the difference between regular and exclusive car insurance?
Regular car insurance is mainly aimed at standard vehicles and often has limited reimbursements for accessories, replacement value and special cars. Exclusive car insurance offers more customized coverage, higher limits and options such as appraisal or new value arrangements.
Do I need an appraisal for my car?
A valuation report is often desirable or mandatory for special cars, youngtimers, vintage cars or vehicles with a different market value. This sets the value that serves as a starting point in the event of damage or total loss.
Will my car be insured for new value, purchase value or appraised value?
This varies per situation and insurer. A new value scheme may be appropriate for new cars, a purchase value scheme for recent used cars and an appraised value scheme for exclusive or collector cars.
Are accessories and adjustments included in the insurance?
Yes, expensive rims, audio equipment, body kits, wraps and other modifications can often be insured, provided they are known to the insurer and have been stated correctly.
What security requirements apply?
For more expensive or theft-prone cars, insurers usually impose requirements, such as an approved alarm system (class 3 or higher), immobilizer and sometimes a vehicle tracking system. These requirements are stated in the policy conditions or clauses.
What does Finass Verzekert need for a quote?
For a good quote, we would like to receive: make, model, license plate, year of manufacture, value or appraisal value, use (private/business), annual mileage, current security, claim-free years and any previous damage. On this basis we compare exclusive car insurance policies from different providers.
Would you like to apply for exclusive car insurance? Request a customized quote
Finass Verzekert helps you choose car insurance that suits the value, use and security of your exclusive car.
You will usually receive a response within a short time. Together we will determine which coverage and conditions best suit your situation.
