An Alpina is not a tuned BMW but a car from a manufacturer in its own right, and that is precisely what makes valuation and acceptance the main issue on this insurance.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Alpina builds on a BMW base under its own type approval and with its own chassis number. The cars get a modified drivetrain, their own suspension settings, their own wheels and their own finish, and leave the factory in small numbers. In law that is not an after-market modification, but in practice applications do come unstuck on it: the model is missing from many insurers' standard tables and the application has to be assessed by hand.
That shifts the conversation from the premium to the value. On a car that is rarely traded, the market value is not a fixed figure. We therefore often work with a agreed value valuation: an expert establishes the value in advance and that value applies when you claim. Article 7:960 DCC provides that you may not profit from a general insurance policy; a valuation report prevents that argument from only starting after a collision. Note the period of validity of the report.
The second sticking point is repair. Alpina-specific parts such as the wheels, springs, steering wheel and striping do not come through the ordinary parts channel. The delivery time and price of those parts help determine whether a loss adjuster opts for repair or for a total loss. What own-damage cover does and does not include is set out on our page about 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.
The model is often missing from the system
Online rating tools usually only know the BMW base model. If the car is insured on that basis, the policy shows too low a value and the wrong rating group, and a reduced payout follows. Always give the registration number and the exact model designation when you apply, and have the insurer confirm in writing which vehicle has been accepted. We prefer to put applications like these to companies that offer manual underwriting.
Valued amount instead of market value
With low production numbers the market value varies and there is little to compare with. An agreed valuation by a recognised expert fixes the value and makes argument afterwards unnecessary. Such a report does have a period of validity set out in the policy conditions; once it expires, you fall back on the market value. Have the car revalued when the period ends or when you have had costly original parts replaced.
Parts decide whether the car is repaired or written off
A damaged Alpina wheel, a particular spoiler set or an interior part is not available from stock. If the repair estimate rises above the agreed value as a result, the loss adjuster will declare the car a total loss, even where the damage is limited. Discuss in advance whether the policy allows repair by a specialist of your choosing and whether used original parts may be fitted; those two agreements make the difference here.
What is still not paid for despite the valuation
A valuation report changes nothing about the exclusions. Wear, a failed turbo or transmission and any loss of value after a repair remain outside the cover. The same applies to driving on a circuit, to taking part in speed and manoeuvring events and to damage caused with intent or recklessness within the meaning of Article 7:952 DCC. Hire or use for payment also falls outside a private policy.
What does your premium depend on?
The agreed valuation figure — Not the list price of the base model but the figure in the valuation report is the basis.
Manual underwriting — Because the model falls outside the standard tables, an underwriter assesses the application individually.
Availability and price of parts — Marque-specific parts with long delivery times push up the average claims cost and with it the rate.
Power and weight of the version — A modified drivetrain puts the car in a different rating group from the BMW base model.
Storage and how intensively it is used — A locked garage and a limited number of kilometres a year count heavily on cars like these.
The main driver's experience — Age, years of licence held and no-claims years built up determine whether an insurer will take the risk.
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.
It often happens, but it is unwise. The policy then shows a different vehicle from the one you own, with a lower value and a lower rating group. After a claim the loss adjuster will establish the actual vehicle and the insurer may adjust the payout. Give the registration number and the full model designation, and have the acceptance confirmed in writing.
Why is a valuation report so important here?
Because few examples of this model are traded and the market value is therefore hard to support. With an agreed valuation the value is fixed before anything happens. Without a report the loss adjuster only sets the figure after the damage, based on comparisons that barely exist. Do note the report's period of validity.
What happens if a particular part is unavailable?
The repair estimate rises through delivery time and price. If that estimate exceeds the agreed value, a total loss follows and the insurer pays the valued amount less the salvage value. If you want to keep the car, agree in advance that used original parts may be fitted and that you may buy back the remains.
Does the cover apply on a club day or on a circuit?
No. Driving on a circuit is excluded under virtually all conditions, including at a private event without timing. For such a day there is separate day cover that you have to arrange in advance; you cannot register after the event. Touring runs on public roads without a timed element usually fall outside this and remain normally insured.
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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