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
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.
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 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.
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
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.
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.
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.
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.
