An Aston Martin is built by hand on a bonded aluminium chassis, and that determines both who may repair the car after a collision and what that repair costs.
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In brief
The body and chassis of modern Aston Martins consist of extruded aluminium sections that are bonded and riveted, not welded. Damage that on an ordinary car is put right by pulling and welding here calls for whole sections to be replaced and for a workshop authorised by the manufacturer. That network is small in the Netherlands, which makes the time a repair takes a real part of your choice.
Because annual production per model is limited and many examples were ordered to individual specification, a price list gives no usable answer. A a prior valuation under Article 7:960 of the Dutch Civil Code fixes the value, so that on a total loss there is no need to negotiate about market value afterwards. Have the report's period of validity noted on the policy and revalue before that period expires.
When we apply, we set out not only the cover but also the repair process: which workshops the insurer accepts, whether original factory parts are used and what applies if delivery takes months. A similar consideration arises with older examples, for which a classic car insurance sometimes fits better than a mainstream car insurance.
The structure of the cover in three parts, with an overview per situation below.
Compulsory
Third-party liability
Damage you cause to others.
Required by law
As long as the registration is in your name
Suspend the registration when not in use
Third-party liability plus
Third-party, fire and theft
Causes beyond your control.
Fire and storm
Theft
Windscreen damage
Comprehensive cover
Comprehensive
Including damage you cause yourself.
Own fault
Vandalism
Replacement-as-new period
What is covered
Situation
Third-party liability
Third-party, fire and theft
Comprehensive
Damage to the other party
Yes
Yes
Yes
Theft
No
Yes
Yes
Fire and storm
No
Yes
Yes
Damage you cause yourself
No
No
Yes
Wear and mechanical defects
No
No
No
Driving without a valid licence
No
No
No
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.
Bonded aluminium cannot be repaired everywhere
With a bonded and riveted structure, the repair method is prescribed by the manufacturer. If work is done outside that protocol, the insurer may reject the repair and the factory warranty on the structure may lapse. So before you take out the policy, ask whether free choice of workshop is allowed or whether you are tied to the insurer's network. With this make that difference is not a detail; it determines whether the repair can be carried out at all.
Parts determine how long it takes
Body panels, glass and interior parts are made in small batches and are rarely held in stock in Europe. Damage that is limited in itself can therefore mean months off the road. Agree in advance what applies during that period: does the premium continue, is there a replacement vehicle suited to the segment, and for how long is it paid for? Standard replacement vehicle arrangements are measured in days, not months.
A car that stands still is a different risk
Most examples cover few kilometres and stand indoors for most of the year, alongside an everyday car. Insurers reward that by accepting a low mileage, and in return they require locked storage. If that situation changes, for example because the car is temporarily kept outside or takes on an everyday role, report it. The duty of disclosure under Article 7:928 of the Dutch Civil Code continues for as long as the policy runs.
What the policy does not pay
Wear and mechanical defects are excluded: a clutch, a gearbox or a partly failed engine is not covered, even where the consequence is visible as damage. Any loss of value after a properly carried out repair is usually not paid for. Undeclared modifications made after delivery, such as a different exhaust, altered suspension settings or different wheels, are only insured if they were declared and valued when you applied.
What does your premium depend on?
Model and body style — A two-seat Vantage, a large tourer and the DBX SUV each produce a different claims pattern and therefore a different weighting.
Valued amount and the term of the report — The recorded value is the basis for calculation; an expired valuation puts you back on market value.
Annual mileage — On rarely used examples, a banded mileage allowance is often the strongest lever on the premium.
Storage and security class — A locked, alarmed garage counts for more than on ordinary cars; parking outside is sometimes not accepted.
Circle of drivers — Who else may drive it and the age of the youngest driver also determine acceptance.
Excess for own-damage claims — Because body repairs are expensive here, a higher excess has a clear effect on this make.
Insurers weigh these details differently. That is why comparing pays off.
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.
Price lists work on transaction volume. On a model built in small numbers and often ordered to individual specification, that volume is missing, which makes the outcome arbitrary. An agreed valuation under Article 7:960 of the Dutch Civil Code fixes the value bindingly, including the specification and the options. On a total loss that value is then the starting point, rather than a market estimate after the event.
May I decide myself which workshop repairs the damage?
That differs from policy to policy. Some insurers steer you towards their own repair network and pay less, or apply a higher excess, if you choose otherwise. Because repairing a bonded aluminium structure is tied to a factory protocol, we have this point set out in writing before the policy is taken out. That way you know in advance which workshop may touch your car.
I only drive a few thousand kilometres a year. Does that count?
Yes, and on this type of car it often counts strongly. Insurers work with mileage bands and with limited-use arrangements for cars kept alongside an everyday car. You declare the reading at the outset and report any overrun. If you consistently drive more than declared, the insurer may correct the premium or withhold part of the settlement when you claim.
Am I paid for loss of value after a repaired claim?
From your own own-damage cover, usually not; that pays for the repair, not for the difference in market value afterwards. If someone else is liable, you can recover loss of value as a head of damage under Article 6:162 of the Dutch Civil Code, provided you support it with an expert's report. So keep the full claims file and the repair report from the approved workshop.
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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