Broking · types of cover · comparing conditions
Allianz is one of the companies Finass works with. Whether that policy is the right one for you follows from the cover you need, not from the name on the policy schedule.
Deze pagina in het Nederlands: Allianz autoverzekering.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
Finass Advies is an independent broker and compares what several insurers offer. Allianz is one of them. We place a car insurance with the company whose conditions, underwriting policy and premium best suit your situation. So the order is: first establish what cover you need, then look at which insurer meets it most sharply.
With a car, you first choose the type of cover. Third-party liability is required by law under Article 2 of the Dutch Motor Insurance Liability Act (WAM) and covers only damage you cause to others with your car. Third-party liability with fire and theft adds a fixed list of events set out in the conditions, such as broken glass, fire, storm and theft. Comprehensive covers, on top of that, damage to your own car caused by you. The difference is set out under comprehensive cover and Third-party liability with fire and theft.
What a policy actually covers is set out in the policy conditions and on that insurer's insurance card (verzekeringskaart); you receive both before you sign. Conditions differ from one company and one version to the next, even within the same type of cover. We compare on the points that make the difference in your situation, not on the size of the brand name.
This page deals with one situation. The full overview is on Compare car insurance.
Four points on which car policies differ from one another, whichever insurer you end up with.
Two policies with the same type of cover can differ widely on glass repair, a replacement vehicle, accessories included in the cover, assistance abroad and the depreciation scheme on own-damage claims. That is precisely where the difference lies in what you are paid after a claim, and that is what we compare on.
Every company applies its own rules on no-claims years, the age of the main driver, the area you live in, use, and the age of the car. If your situation does not fit one party's policy, a broker puts it to another. A refusal from one insurer is rarely the end of the story.
The duty of disclosure applies to the application under Article 7:928 of the Dutch Civil Code. If you conceal a claims history, an earlier cancellation or rescission, or a criminal record you are asked about, the insurer may, under Article 7:930 of the Dutch Civil Code reduce the payout or refuse it altogether.
Driving without a valid licence, driving under the influence and damage caused intentionally (Article 7:952 of the Dutch Civil Code) are excluded everywhere. The same applies to hire, paid passenger transport or driving lessons that have not been declared, and to taking part in speed events and track use. Wear and mechanical failure also fall outside the cover on a comprehensive policy.
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| You hit your neighbour's car while parking | Yes | Yes |
| You reverse into a bollard yourself and damage your bumper | No | Yes |
| A stone thrown up by a lorry chips your windscreen | No | Yes |
| Your car is stolen from the drive | No | Yes |
| A marten bites through the cabling under the bonnet | No | Provided that |
| The timing belt snaps and the engine seizes | No | No |
On an older car the market value counts for more than the type of cover: own-damage cover will not pay more than that value.
This is what people ask us most.
The insurance contract is concluded between you and the insurer. The policy schedule and the conditions come from that company. Finass acts as an intermediary and remains your point of contact afterwards for changes, renewal and claims. Our role, our remuneration and the complaints procedure are described in the service guide.
You can always go direct. The difference lies in comparing conditions rather than premiums alone, in assessing whether the cover fits your situation, and in support when you have a claim. Where your situation is out of the ordinary, such as a claims history or an earlier refusal, that counts for more than on a standard application.
Usually yes. Most car policies can be cancelled on any day after the first contract year, subject to a short notice period. We request your no-claims years from your former insurer and arrange the cancellation, so that you are never without cover for a day. Do not cancel anything yourself before the new policy has been definitively accepted.
The Dutch Motor Insurance Liability Act requires every keeper of a motor vehicle, under Article 2 WAM, to hold third-party liability insurance. That way the victim is always assured of compensation. If a driver is uninsured or unidentified, an injured party can turn to the Waarborgfonds Motorverkeer. Driving around uninsured leads to a fine and to the loss being recovered from you personally.
Verzekeringen:
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Huis en gezin
Opstalverzekering
Inboedelverzekering
Aansprakelijkheid
Rechtsbijstand
Gezinsongevallen
Kostbaarheden
Zorgverzekering
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Verkeer
Autoverzekering
Klassieker
Oldtimer
Bestelauto
Scooterverzekering
Motorverzekering
Kampeerauto
Caravan
Qaud/ trike/ mp3
Aanhangwagen
Scootmobiel/ Segway
Fietsverzekering
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Recreatie
Kortlopende reis
Doorlopende reis
Annulering
Recreatiewoning/ chalet
Pleziervaartuig
Golfverzekering
Vakantiehuis
/
Verzekeringspakket
Particulieren verzekeringspakket
Exclusief-verzekeringspakket
/
Exclusieve-verzekeringen
Autoverzekering
Jachtverzekering
Opstalverzekering
Inboedelverzekering
Kostbaarheden
Verzekeringen:
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Aansprakelijkheid en overige varia
Bedrijfsaansprakelijkheid
Beroepsaansprakelijkheid
Bestuurdersaansprakelijkheid
CAR-verzekering
Cyberverzekering
WEGAS/ WEGAM
Rechtsbijstand
Evenementen
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Bedrijfsmiddelen
Bedrijfsschade
Geldverzekering
Opstalverzekering
Extra kosten
Milieuschade
Machinebreuk
Inventaris
Garageverzekering
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Transport en zakenreis
Vervoer van eigen zaken
Goederentransport
Individuele zakenreis
Collectieve zakenreis
Container/ trailer
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Verkeer
Personenauto
Bestelauto
Motor
Werkmaterieel
Aanhangwagen
Vrachtauto
Taxiverzekering
Oldtimer
Wagenpark
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Ziekte en arbeidsongeschiktheid
Arbeidsongeschiktheid
Verzuimverzekering
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pakketten
MKB-pakket
Verzekeringen:
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Aansprakelijkheid en overige varia
Aansprakelijkheidsverzekering ZZP
Beroepsaansprakelijkheid ZZP
Bouw en Montage verzekering ZZP
Rechtsbijstandverzekering ZZP
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Bedrijfsmiddelen
Inventaris- en Goederenverzekering ZZP
Eigen Vervoerverzekering ZZP
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Pakketten
Verzekeringspakket ZZP
Verzekeringen:
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Aansprakelijkheid en overige varia
Aansprakelijkheid VVE
Bestuurdersaansprakelijkheid VVE
Ongevallenverzekering VVE
Rechtsbijstandverzekering VVE
/
Bedrijfsmiddelen
Gebouwenverzekering VVE
Glasverzekering VVE
Milieuschadeverzekering VVE
Eigenaarsbelang vve opstalverzekering
Slapende vve opstalverzekering
VvE verzekering eigen huis
VvE inboedelverzekering
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pakketten
VvE-pakket
Verzekeringen:
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Aansprakelijkheid en overige varia
Aansprakelijkheid
Bestuurdersaansprakelijkheid
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Bedrijfsmiddelen
Bedrijfsgebouwen
Glasverzekering
Glas kantoren/ flat en woonhuis in de verhuur
Verhuurde woonhuizen
Inventaris / Goederen / Huurdersbelang
Milieuschadeverzekering
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Special
Studentenhuis
Kamerverhuur
Hotel
Horecapand
Kantoorpand
Grachtenhuis
Tweede woning
Vakantiewoning
Rijksmonument
Bedrijfsverzamelgebouw
Fundering
Beleggingspand
Loods
Garage
Finass Verzekert is een handelsnaam van Finass Advies B.V.
KvK-nummer 37131781
Maandag - Vrijdag: 09:00 - 17:00
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