Car insurance through Ansvar
On a car policy, who drives and how much is driven counts for more than the make. With Ansvar and AnsvarIdea that is the first thing you are asked.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Finass acts as a broker through Ansvar and AnsvarIdea. We are not tied to them and compare several insurers objectively. The choice follows from what you need. The same house also runs variants for particular vehicles, such as the electric car insurance and the classic car insurance. The basic types of cover are set out on the hub page compare car insurance.
The single detail that most affects both the premium and the cover is the regular driver: the person who uses the car most often. That need not be the registered keeper. If a car is registered to a parent while an eighteen-year-old drives it every day, the policy does not match reality. If you fail to declare that, you are in breach of the duty of disclosure under Article 7:928 of the Dutch Civil Code and the insurer may, under Article 7:930 of the Dutch Civil Code reduce the payout proportionately or, in the case of deliberate deception, refuse it altogether. The third-party payment to the injured party remains protected by the WAM, but is then recovered from you.
The second detail is use. A declared mileage you comfortably exceed, regular commuting declared as private use, or lending the car out to a changing group of people: these are everyday situations that the conditions do in fact deal with. Hire, driving lessons and paid transport are excluded without exception unless separately agreed. If you drive for business, the car belongs on a commercial policy; see car insurance for self-employed professionals.
This page deals with one situation. The full overview is on Compare car insurance.
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Get coveredWhy arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
What to look out for
Four points where what you declare on the application feeds through to the payout.
Who may drive
Someone who borrows the car occasionally is almost always covered. A regular second driver is not automatically. Some policies apply a higher excess for young drivers or exclude drivers under a certain age. That is set out in the conditions and not on the policy schedule, which is why it is often only noticed after a claim.
Outside the Netherlands: the green card
Third-party cover applies in the countries that are not crossed out on the green card. If you drive beyond them, you take out frontier insurance on the spot. Article 2 of the Dutch Motor Insurance Liability Act (WAM) governs the duty to insure in the Netherlands; abroad the rules of that country apply, and they may set higher minimum amounts than you are used to.
Suspending the registration rather than cancelling
If you are not using the car for a while, you can have the registration suspended. The duty to insure then falls away, but so does the cover: damage by fire or theft in a public car park falls outside a suspended policy. Keep the car indoors in that case and talk to us about whether limited cover can remain in place.
Exclusions that come back everywhere
There is no cover for driving under the influence, for driving without a valid licence, for taking part in races or manoeuvring events, or for intent (Article 7:952 of the Dutch Civil Code). Damage that arises because you let the car be driven by someone you know is not allowed to drive is also at your own expense.
What does your premium depend on?
- Age and experience of the driver: the heaviest factor in private use
- Number of no-claims years: determines your step on the bonus-malus ladder
- Annual mileage: often in bands, with a check when you claim
- Place of residence: regional damage and theft figures
- Cover chosen: third-party liability, third-party, fire and theft, or comprehensive
- Payment term: paying annually is usually cheaper than monthly
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| Damage to someone else's car after you shot forward while leaving a parking space | Yes | Yes |
| The damage to your own bumper in that same accident | No | Yes |
| A stone thrown up by a lorry chips your windscreen | No | Yes |
| Martens bite through the wiring under your bonnet | No | Provided that |
| An unidentified driver hits your parked car and drives on | No | Yes |
| You put petrol in a diesel car and the engine seizes | No | No |
Between these two forms sits third-party, fire and theft, which covers fire, theft, storm and glass damage but not a collision you cause yourself.
Frequently asked questions
This is what people ask us most.
My child drives my car. Do I have to declare that?
If your child uses the car most often, they are the main driver and you must declare it. If they only travel in it occasionally, no declaration is needed. The difference lies in how regular the use is, not in who owns the car. If you do not declare it, you risk the insurer relying on Article 7:930 of the Dutch Civil Code after a claim, and the payout may be reduced or refused.
What if I drive more kilometres than declared?
Report an increase as soon as you expect one. After a claim the insurer can check the odometer. A large and structural overrun can lead to additional premium being charged and, in serious cases, to argument about the payout. A small deviation is usually not a problem. It is the pattern that matters, not a single long journey.
Is the car insured if someone else drives it?
The insurance follows the vehicle, not the driver, so an occasional borrower is covered in principle. A claim will, however, count against your no-claims years and your excess. With a young borrower an increased excess may apply. Do not lend the car to anyone without a valid licence: own-damage cover then falls away.
Does the policy also cover a trailer?
The car's third-party cover extends to a coupled trailer, including damage the trailer causes while being towed. Damage to the trailer itself, and damage after it has been uncoupled, fall outside it. Separate trailer insurance is needed for that, certainly for a trailer of any value.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
- Car insurance for new driversInsurance obligation, no-claims scale, clauses
- What is covered by car insurance?Insured persons, insured property, territorial limits
- Insuring a car that is not registered in your nameRegistered keeper, insurable interest, regular driver
- Car insurance for the Dacia SpringLending, car sharing, hire
- Insuring young drivers
- Car insurance for young driversStarting position, regular driver, excess
- Car insurance for the Audi A3Mid-size, ADAS, glass damage
- Which insurance is compulsory?Registration, Article 2 WAM, health insurance