The A1 is a compact premium hatchback used mainly in town; here it is not the rating group but the driver and parking damage that determine what you pay.
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.
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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
The Audi A1 shares its engineering with the compact models in the Volkswagen group and therefore falls into a low weight and rating group. The result is that the car itself accounts for only a modest share of the premium. What remains is determined by the driver: age, no-claims years built up and the postcode where the car is kept at night count for more on this model than on almost any other Audi.
How the car is used is decisive here. The A1 is widely driven as a first car, as a second car alongside a larger family car, and as a commuting car in urban areas. That means short journeys and plenty of them: many starts, many parking manoeuvres and, proportionately, many small collisions. It is precisely that type of damage that is expensive, not in absolute amounts but because every at-fault claim puts your bonus-malus step back.
We therefore look above all at the balance between the excess, the type of cover and the number of steps you drop after a claim. See also the Audi overview page and the explanation of comprehensive cover.
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.
Small damage, big effect on your step
A scrape along a bollard or a dented door in a multi-storey car park is the most common scenario on this car. An at-fault claim puts you back several steps on the bonus-malus ladder and that feeds through into your premium for years. So work it out before you report it: if the repair costs are close to your excess, paying yourself is often cheaper. You can always report a claim; whether to claim is a separate decision.
A bumper is no longer just plastic
Newer versions carry parking sensors, cameras and radar modules in the bumper and mirrors. A collision that looks minor then also affects the sensors, which have to be recalibrated after the repair. The same applies to matrix headlights, which are replaced as a complete unit. On a car with a modest market value, that pushes repair costs towards the threshold above which the insurer declares a total loss sooner.
Whoever actually drives must be on the policy
This car is often registered to a parent while a younger member of the family drives it every day. That is an incorrect declaration of the main driver and touches on the duty of disclosure under Article 7:928 of the Dutch Civil Code. When you claim, the insurer can reduce or refuse the payout. The proper route is a second-driver arrangement or young driver clause with an increased excess, under which the younger driver also builds up no-claims years of their own.
What falls outside the cover
Wear, mechanical failure and a defective clutch or turbo are not a sudden event and fall outside own-damage cover. Scratches from normal use and damage you cannot tie to a single moment are refused. Driving without a valid licence or under the influence rules out cover, as does intent under Article 7:952 of the Dutch Civil Code. Undeclared wheels, lowered suspension or chip tuning are not insured.
What does your premium depend on?
Age of the regular driver. On this model the heaviest factor, because the car itself is rated low.
No-claims years built up. Determines your step on the bonus-malus ladder and with it your discount.
List price and engine. A 25 TFSI and a more powerful version do not fall into the same rating group.
Postcode and where it is kept at night. Street parking in urban areas brings more parking and vandalism damage.
Annual mileage and use. Commuting with many short journeys counts differently from purely private use.
Excess and type of cover. A higher excess brings the premium down, but shifts small claims onto you.
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.
Is the A1 a suitable first car in insurance terms?
Broadly, yes: the low weight and modest list price mean a favourable rating. The premium is then determined mainly by your age and the absence of no-claims years. With a young driver, decide deliberately whether or not to go for a more powerful engine, because that difference feeds through considerably, and discuss a young driver clause with an increased excess.
Comprehensive or third-party, fire and theft on an A1?
Add your annual premium and your excess together and set that against the market value. If that value falls below roughly three to four times that outlay, comprehensive cover is hard to justify. With a financed or leased A1 it is different, because the lender usually requires comprehensive cover while money is owing. Also look at how long the replacement value as new rule runs.
My son drives my A1. Can the car stay registered in my name?
The registration may stay as it is, but the application form must show who the main driver is. If your son drives it every day, that is him. An incorrect declaration touches on Article 7:928 of the Dutch Civil Code and can lead to a reduced or refused payout when you claim. Ask instead about a second-driver arrangement, under which he drives legally and builds up no-claims years of his own.
Why has light parking damage become so expensive?
Because the bumpers, mirrors and windscreen contain sensors, cameras and radar. After the repair those systems have to be recalibrated, and that is done by a specialist firm. Matrix headlights are replaced as a whole. On a car whose market value has fallen, those costs reach the threshold above which the insurer declares a total loss rather than repairing it sooner.
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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