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Broking · types of cover · comparing conditions

Allianz car insurance

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.

  • Several insurers compared objectively
  • 9.5 customer rating for a new policy
  • AFM licence 12016589
  • Personal 072 - 509 24 56, weekdays 9–17

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.

Work out for yourself what it would cost.

  • We compare the offerings of several insurers
  • An adviser checks whether the cover suits your situation
  • We arrange the switch, including cancellation

Request a quote

A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

In brief

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.

Auto's
Auto 1
Aanvullende autogegevensOpen
Alleen nodig als dit relevant is voor de gekozen dekking of waardebepaling.
Youngtimers / klassiekers
Youngtimer / klassieker 1
Oldtimers
Oldtimer 1
Aanvullende voertuiggegevensOpen
Alleen invullen indien van toepassing, bijvoorbeeld bij afwijkende tenaamstelling, taxatiewaarde of aankoopdatum.
Vrachtauto's
Vrachtauto 1
Dit bepaalt of het voertuig particulier of zakelijk verzekerd wordt.
Dit bepaalt of het voertuig particulier of zakelijk verzekerd wordt.
Wordt automatisch ingevuld na de kentekencheck.
Goedgekeurd slot aanwezig?
Aanvullende gegevens Open
Dit bepaalt of het voertuig particulier of zakelijk verzekerd wordt.
Wordt automatisch ingevuld na de kentekencheck.
Wordt automatisch ingevuld na de kentekencheck.
Aanvullende gegevens Open
Wordt automatisch ingevuld na de kentekencheck.
Wordt automatisch ingevuld na de kentekencheck.
Vaste standplaats?
Wordt de caravan verhuurd?
Gewenste dekkingen
Verhuurde woningen
Woning 1
Meer gegevensOpen
Gewenste dekkingen
Recreatie-/tweede woningen
Woning 1
Meer gegevensOpen
Woningen
Woning 1
Langer dan 30 dagen aaneengesloten onbewoond?
Kamerverhuur of bewoning door anderen?
Zonnepanelen aanwezig?
Nu of binnenkort een verbouwing?
Bedrijf of praktijk aan huis?
Grote of bijzondere bijgebouwen?
Herbouwwaarde bekend?
Open haard of houtkachel aanwezig?
Aanvullende woninggegevensOpen
Alleen de extra acceptatievragen die voor deze woning nodig zijn.
Inboedel met bovengemiddelde waarde?
Sieraden, kunst of andere kostbaarheden boven standaardlimieten?
Buitenshuisdekking gewenst?
Mobiele elektronica buitenshuis meeverzekeren?
Wijncollectie, verzameling of bijzondere huisraad boven € 10.000?
Zakelijke inventaris of goederen in de woning?
Bijzondere privésituatie
Gewenste modules
Lopend of te verwachten conflict?
Aanvullende dekkingen
Is er al een reis geboekt?
Is nu al een reden bekend waardoor annulering mogelijk is?
Zijn alle kostbaarheden eigendom van jou of je gezin?
Wat wil je verzekeren?
%
Soort kunst
Aanvullende gegevens Open
Welke beveiliging is aanwezig?
Doormelding naar alarmcentrale?
Onderhoudscontract aanwezig?
Brandmelding doorgemeld?
Wat wordt in de kluis bewaard?
Voor muziek- en andere instrumenten of apparatuur op locatie en tijdens transport.
Wat wil je verzekeren?
Blijven de items weleens onbeheerd achter in een voertuig?
Opslag / beveiliging
Beschikbaar bewijs
Is de bruikleen schriftelijk vastgelegd?
Aanvullende gegevens Open
Wat wil je meeverzekeren?
Golfuitrusting
NGF-lid?
Lid van een golfclub?
Blijft de golfuitrusting weleens onbeheerd in een auto?
Gebruik je een eigen golfbuggy / golfkar?
Beveiliging boot / motor
Varen met betaalde of vaste bemanning?
Verhuur of varen met betalende gasten?
Aanvullende gegevens Open
Wie wil je verzekeren?
Risicovolle sporten of hobby's?
Gewenste hulp
Eerder cyberincident of online fraude meegemaakt?
Wil je nog andere verzekeringen meenemen?
Welke aanvullende verzekeringen?
Voertuigen
Wonen & vastgoed
Persoon & gezin
Sport & hobby
Overig
Nu al verzekerd?
Schades of claims in de afgelopen 5 jaar?
Verzekering ooit geweigerd of opgezegd?
Mededelingsplicht
Ben jij, of iemand anders die bij deze verzekering belang heeft, in de afgelopen 8 jaar in aanraking geweest met politie of justitie?
Denk aan een verdenking, boete, transactie, taakstraf of veroordeling. Verkeersboetes tot 300 euro hoef je niet te melden.
Is er ooit een verzekering opgezegd, geweigerd of beëindigd wegens fraude, of sta je geregistreerd in het incidentenregister?
Vermeld het jaar, wat er speelde en hoe het is afgehandeld. Dit betekent niet automatisch dat je niet verzekerd kunt worden.

What to look out for

Four points on which car policies differ from one another, whichever insurer you end up with.

The brand name does not determine the cover

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.

Underwriting policy and claims history

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.

What you must disclose when you apply

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.

What is never covered

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.

What does your premium depend on?

  • Type of cover chosen: third-party liability, third-party, fire and theft, or comprehensive cover
  • No-claims years: determines your step on the bonus-malus ladder
  • List price and age of the car: both determine the repair and replacement costs
  • Postcode and where the vehicle is kept: the risk of theft and damage differs by area
  • Age of the regular driver: and whether younger drivers also drive the vehicle
  • Annual mileage and excess: more kilometres pushes it up, a higher excess brings it down

Insurers weigh these details differently. That is where your saving is.

Request a quote

What is covered

SituationThird-party liabilityComprehensive
You hit your neighbour's car while parkingYesYes
You reverse into a bollard yourself and damage your bumperNoYes
A stone thrown up by a lorry chips your windscreenNoYes
Your car is stolen from the driveNoYes
A marten bites through the cabling under the bonnetNoProvided that
The timing belt snaps and the engine seizesNoNo

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.

Frequently asked questions

This is what people ask us most.

Do I take out the policy with Allianz or with Finass?

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.

Why go through an adviser rather than direct?

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.

Can I switch while my current policy is still running?

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.

Why is third-party cover compulsory?

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.