Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Exclusive car insurance through Assicuro
With an exclusive car, the argument after a claim is almost always about value. We therefore arrange this product with the value fixed in advance.
- 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
Exclusive car insurance differs from an ordinary own-damage policy on one point: the insured value comes not from a price list but from a a valuation report from an expert. Article 7:960 of the Dutch Civil Code prohibits you from receiving more than your loss, but a valid agreed valuation fixes that loss in advance, so that the insurer can no longer fall back on a lower market value afterwards. That is exactly what you need on a car with a limited market.
We put this product forward for cars that cover few kilometres, are kept in locked storage and often stand alongside one or more other vehicles owned by the same person. In cases like that it is not about the lowest premium but about whether the valuation, the group of drivers and the storage arrangement match how you actually use the car.
We are not tied to any one provider. We set this application alongside other parties active in this segment, such as exclusive car insurance through Chubb, and alongside the wider exclusive car insurance.
Independent, personal, sorted quickly
We compare your car insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Through Finass or direct with Assicuro?
The structure of the cover in three parts, with an overview per situation below.
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 damage you cause, theft and total loss. We compare Assicuro'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 Assicuro |
|---|---|---|
| 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 Assicuro 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.
What does your premium depend on?
- The valued amount. Not the list price but the figure in the valuation report is the basis on which own-damage cover is calculated.
- Repairability and parts supply. A car whose panels and mechanicals come only from the manufacturer costs more to repair.
- Agreed annual mileage. A low mileage band brings the premium down, but also ties you to that band.
- Storage and security class. A locked garage, alarm class and a tracking system are often both a condition of acceptance and a rating factor.
- Circle of drivers and age. Does only the owner drive, or younger family members and others too? That makes a considerable difference to the rate.
- Excess and type of cover. Third party, third party fire and theft or comprehensive, and the level of the excess per event.
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.
Why 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.
9.5New policy
9.8Claims handling
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The valuation is the heart of the policy, and it runs
An agreed valuation by a recognised valuer fixes the value under Article 7:960 of the Dutch Civil Code. That does not hold good for ever: insurers apply a period of validity and let the valuation lapse after it. If the period has expired at the time of the claim, you fall back on the market value the loss adjuster then assesses. Put the expiry date in your diary and have the car revalued in good time, certainly after restoration or after expensive parts have been fitted.
Several cars owned by one person
If you drive two or three cars in turn, the group of drivers matters more than the registration. Insurers ask who the main driver of each car is and whether others may drive. Declare that too widely or too narrowly and it touches on the duty of disclosure under Article 7:928 of the Dutch Civil Code. Discuss too whether no-claims years are built up per policy or whether one certificate of no claims can carry the other vehicles.
Storage and mileage are conditions, not intentions
If your policy carries a storage clause or a mileage limit, that is a binding agreement. If the car is stolen from the street while the policy assumes a locked garage, the insurer can refuse or reduce the payout. The same applies to security requirements such as an approved alarm or tracking system. If your situation changes, report it in writing; a changed risk that has not been reported works against you when you claim.
What is expressly not included
Wear, inherent defect and mechanical failure are not a sudden event and fall outside own-damage cover. An engine rebuild is therefore not a claim. Taking part in speed events, training and track use is excluded as standard. Any loss of value remaining after a proper repair is in general not paid for. Intent and recklessness fall away under Article 7:952 of the Dutch Civil Code, and hire or paid passenger transport is not covered without a separate agreement.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
Frequently asked questions
This is what people ask us most.
Why a valuation report and not simply the list price?
Because the list price says nothing about what your car is actually worth. With a limited production run, an unusual specification or a restored car, there is no usable price list. An agreed valuation fixes the value in advance, so the loss adjuster does not have to estimate again after the claim. Without a valuation the market value decides, and on cars like these that often works out lower than expected.
How long does a valuation remain valid?
Insurers each apply their own period. It is stated on the policy schedule or in the report itself. Once it ends, the binding effect lapses and the market value at the time of the claim applies. So have the car revalued before the period expires, and certainly after a restoration, after a major repair or after you have had costly original parts fitted.
May someone else drive my car?
That depends on the driver clause on your policy. Some policies cover any driver with your permission, others limit cover to the owner and their partner, or set a minimum age. If someone outside that group drives, own-damage cover can fall away while third-party cover towards the victim continues under the WAM. Have the group described properly in advance.
What happens on a total loss of a valued car?
With a valid agreed valuation, the valued amount is the starting point for the settlement, less your excess and the salvage value of the wreck if you keep it. If the repair comes to more than a proportion of that value stated in the conditions, the insurer may decide on a total loss. If you want to keep the car in that case, discuss it with the loss adjuster straight away.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
- An exclusive car: original parts and agreements on useValuation, market value is not enough, use
- Compare sports car insurance and save straight away
- Compare second car insurance and save straight away
- Car insurance for a SpykerPower, rating group, track use
- AssicuroBroking, agreed value, unusual items
Read more
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.