Assicuro · compared independently · advice from Finass
Car collection insurance through Assicuro
Car collection insurance brings several enthusiast cars together on one policy, with its own form of cover for each vehicle and a shared arrangement on storage and mileage.
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
As soon as you keep three or more cars, none of which is driven daily, insuring them separately becomes awkward: different renewal dates, different excesses, and a fresh argument about valuation every time. The collection policy solves that with one contract, one circle of drivers and one storage arrangement, while each object keeps its own agreed value.
The risk also shifts from the road to the storage. If the collection covers few miles between them, the chance of a collision is small, but if everything stands under one roof a single fire hits the whole collection at once. Insurers therefore look more closely at the storage location than at driving behaviour.
Car collection insurance through Assicuro: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Basic
Extended cover
The perils that are specifically named.
Fire, smoke and water
Theft after forced entry
Storm and lightning strike
Complete
Comprehensive
Also sudden damage from outside.
Falls and knocks
Your own mishap
A stronger evidential position
Insured separately
Valuables
Items that exceed the sub-limits.
Jewellery and watches
Art and collections
Covered away from home as well
What is covered
Situation
Extended
Comprehensive
Fire, smoke and water damage in the home
Yes
Yes
Theft after forced entry
Yes
Yes
Knocks and falls at home
No
Yes
Loss or theft away from home
Provided that
Provided that
Damage during transport, repair or exhibition
Provided that
Provided that
Wear, shrinkage, damp and insect damage
No
No
A home contents policy has sub-limits: for jewellery, audiovisual equipment and collections a lower limit applies than for the rest of the contents. If your items exceed that, you insure them separately on a valuables policy, usually on the basis of a valuation (7:960 DCC). Underinsurance leads to a proportionately lower payout.
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.
Adding and removing objects
The strength of the policy is that you can add and remove cars without a new contract. The trap lies in the timing: a car you buy today is insured only once it has been notified and appears on the policy schedule. A car you sell keeps costing premium until you take it off. Keep the collection list up to date and report every change in writing, including for cars bought temporarily.
Storage: where the accumulation risk lies
Insurers set requirements for the space: locked, dry, no naked flames, often fire detection or a separate compartment. If reality differs from what you declared, it affects the cover on the whole collection at a stroke. What is generally not covered is damage caused by standing still itself: seized brakes, flat batteries, damp damage to upholstery and rodent damage to wiring.
Enthusiast use, not everyday use
There is nearly always a clause on use attached to the policy. Excluded are commuting, business transport, hire and use as a courtesy car, along with taking part in speed events and timed track sessions. If you exceed the mileage agreed for the collection, report it before the policy year ends. Afterwards a loss adjuster reads it off the odometer, and the payment is then open to question.
Keeping the value of each object up to date
Each vehicle has its own agreed value. If a model rises in value or you complete a restoration, have it valued again: under Article 7:960 of the Dutch Civil Code you never receive more than your actual loss, and an out-of-date report leaves you carrying the difference. An incorrect declaration at the outset (about storage, drivers or previous claims) falls under Article 7:928 of the Dutch Civil Code.
On an agreed value
On an agreed value Valuable or classic vehicles on an agreed value.
Breakdown assistance
What does your premium depend on?
Number of objects and total agreed value. The sum of all the vehicles on the policy is the main basis.
Form of storage and security. Locked, compartmented storage with fire detection counts more favourably than a shared shed.
Mileage for the collection. A joint annual mileage limits road use and brings the risk down.
Form of cover per vehicle. You can choose per object between third-party only, third-party, fire and theft, and full own-damage cover.
Circle of drivers. Does only the owner drive, or younger family members and guests on runs as well?
Claims history and excess. Previous claims on the collection and the excess chosen both feed through into the premium.
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.
Does every car in the collection have to be insured for third-party liability separately?
Yes. Article 2 of the Dutch Motor Insurance Liability Act (WAM) requires liability cover for every motor vehicle with a valid registration number, even if it stands still for months. If you want to lift that obligation for one object, you suspend the registration with the RDW (the Dutch vehicle authority). While the suspension runs you may not use the public road with it and cover for road use falls away.
Can I insure new acquisitions straight away?
Only once they have been notified. Some conditions include a short period of automatic cover for a newly acquired object, provided you declare it within an agreed period. That period is short and the burden of proof lies with you. We advise getting in touch as soon as you bid, so that the vehicle is on the policy on the day of delivery.
May someone else drive my cars?
That depends on the driver clause. Many collection policies limit driving to the owner and their partner, sometimes with a minimum age. If someone drives who does not belong to the circle described, the third-party liability cover usually remains in place because the law requires it, but the own-damage claim can be refused.
Do my no-claims years count?
A collection policy usually works not with the customary bonus-malus ladder but with a fixed premium per object based on value, use and storage. Your claims history does count as a factor in the assessment. If you also drive an everyday car, you keep the no-claims years there. You do not build them up with the collection.
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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