a.s.r. · compared independently · advice from Finass
Classic car insurance through ASR
With a classic car the question after a loss is rarely whether a payment will be made, but whether the part can still be found and who is allowed to work on it.
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.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
In reality, ASR's classic car insurance is judged on how claims are handled, not on the premium. With a car decades old, the problem is that a wing, a window or a seat cover can no longer be ordered. Repair then runs through used parts, a panel beater who forms the metal himself, or a specialist who knows the model. Agree in advance that you may choose the repairer and that you will not be sent to a chain bodyshop as a matter of course.
Because labour hours run high and parts are scarce, a classic car is written off as beyond economic repair sooner than the picture suggests. Under a policy with an agreed value, the amount payable is fixed on the basis of Article 7:960 of the Dutch Civil Code, but the question whether the car is repaired or written off still stands alongside it. Discuss whether you may buy the wreck back.
Acceptance turns on the age of the vehicle, the mileage you declare and whether there is a car for everyday use. You report a loss as soon as you know of it, as Article 7:941 of the Dutch Civil Code requires. For establishing the value and for the valuation report itself, see classic car insurance through Ansvar Idea.
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
Third-party liability insurance is compulsory by law and covers damage you cause to others with your car, not damage to your own car.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover, including for damage you cause yourself, theft and total loss. We compare ASR's comprehensive version with the market.
Hail damage
Damage through your own fault
Vandalism
Unknown party at fault
What is covered
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Provided it is declared
One point of contact for claims
Yes
Provided it is declared
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
What we do
What we do
At Finass
Direct with a.s.r.
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether a.s.r. is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Parts and who may work on them
Agree that repairs will be carried out by a specialist or restorer who knows the model, and not automatically by an affiliated bodyshop. Set out as well how used, reproduction or hand-made parts will be treated, because for many models new original parts are simply not available. Without that agreement the insurer decides the route, and the outcome is rarely what an enthusiast had in mind.
The line between a rally and a competition
Taking part in a club run or a treasure hunt is usually no problem. As soon as time is measured, a classification is kept or manoeuvring tests are included, it shifts into competition and the cover is gone. Regularity runs therefore fall outside the policy more often than entrants think. Ask the organisers for the rules in advance and put the question to the insurer before you enter.
From youngtimer to classic
Enthusiast terms apply only from a certain vehicle age, and that threshold differs by insurer. For a car below it there is often a youngtimer version with its own requirements. In both cases insurers expect you to have another car for everyday use and to keep the annual mileage low. If you sell that everyday car, tell us.
What is not covered
Outside the cover are: runs with timing, a classification or manoeuvring tests; damage during restoration, dismantling or test drives with a vehicle in an unfinished state; mechanical failure, leaking gaskets, corrosion and other wear; diminution in value after a technically sound repair; and hire for weddings, film or advertising work where that use has not been declared in advance.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
Age and type of vehicle. The year of manufacture threshold decides whether enthusiast or youngtimer terms apply.
Sum insured or agreed value. The amount that forms the starting point for the payment in the event of a total loss.
Availability of parts. A model for which parts are barely obtainable makes repair long and costly.
Annual mileage and purpose of use. Club runs and summer tours count differently from regular commuting.
Storage. A dry, locked space at a fixed address as against a shared shed or the public road.
A car for everyday use. Under enthusiast terms, having a second car is often a condition of acceptance.
Insurers weigh these details differently. That is where your saving is.
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.
A tour or treasure hunt without timing is generally covered. As soon as time is clocked, a classification is drawn up or tests are included, it counts as competition and the cover falls away. Regularity runs come under this more often than entrants expect. Ask for the rules and put the question to the insurer before you enter.
Are used parts paid for in a repair?
For many classic cars that is the only route, because new parts are no longer available. Insurers then pay for the used part plus the labour, or for having it made. Set out in advance how this will be handled and who chooses the repairer; otherwise it is decided after the loss by the party paying the bill.
From what age can my car go on a classic car policy?
That threshold differs by insurer and is set out in the acceptance conditions. If your car is below it, there is often a youngtimer version with its own requirements for mileage and storage. Both forms assume limited use and the presence of another car for everyday journeys.
Am I insured while the car is being restored?
Not while driving: damage during dismantling, assembly or a test drive with an unfinished vehicle is excluded. For the risk of fire and theft in the workshop or in storage a separate arrangement is needed, and sometimes the restorer's own insurance covers it. Ask about that before you take the car in, not after something has happened.
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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