Third-party liability
- Required by law
- As long as the registration is in your name
- Suspend the registration when not in use
Car insurance for the Audi A3
The A3 is the compact Audi: many examples serve as the household's second car, are parked in the street in town and are driven by more than one person.
- 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
With the A3, applications rarely come unstuck on the model and almost always on the way it is used. Who actually drives it most, where is the car kept at night and how many kilometres does it cover a year? Those are the details on which the insurer accepts the risk and sets the rate. On a car used by two generations in one family, the question of who the main driver is is no formality.
The A3 is also a car that is often bought used. That raises the question of whether comprehensive cover is still sensible or whether you would do better to move to third-party, fire and theft. We work that out for your particular car and also look at the excess, because in this class that counts for more than the type of cover itself.
The duty to insure stands apart from that choice. As long as the registration is in your name, there must be at least third-party cover under Article 2 of the Dutch Motor Insurance Liability Act (WAM), even when the car is not used. If you are not driving it for a while, you suspend the registration. Only then may the cover come off.
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What does Audi A3 car insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Causes beyond your control.
- Fire and storm
- Theft
- Windscreen damage
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.
What does your premium depend on?
- Age and experience of the regular driver. The heaviest factor on a car driven by several people.
- No-claims years built up. Determines your bonus-malus step; taking over someone else's years is rarely straightforward.
- Annual mileage. Commuting and business journeys count, even where it is your second car.
- Storage at the home address. Garage, driveway or public road. With street parking it is the parking damage risk that counts most.
- Current value of the car. Determines whether own-damage cover is still worthwhile and how much there is to lose on a total loss.
- Excess. In this class often a more effective way of steering the premium than changing the type of cover.
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.
Who is the regular driver?
If the car is registered to a parent while a child drives it every day, the policy is wrong. Insurers ask about the main driver because age and experience set the rate. If that is declared incorrectly, the insurer can reduce or refuse the payout after a claim under Article 7:930 of the Dutch Civil Code. Declare it and accept the higher premium. That is considerably cheaper than a refused claim.
Parking damage with no other party comes back to your own policy
A car parked in the street in town will sooner or later pick up a dent or a scratch whose cause remains unknown. There is then no other party to recover from, so the damage falls under your own own-damage cover. With third party or third party, fire and theft there is no cover. With comprehensive there is, but the claim then counts in your claims record. Always report it to the police and photograph the situation before you drive off.
When third-party, fire and theft becomes the more logical choice
Add your annual premium and the excess together and set that against what the car is worth now. If the value falls to a few times that outlay, comprehensive cover is hard to justify: you are paying a considerable share of the value each year to cover damage you cause yourself. With finance running you do not have that freedom, because the lender usually requires comprehensive cover until the last instalment.
Exclusions that trip people up on a family car
Outside the cover are: driving without a valid licence or while disqualified, driving under the influence or refusing a breath test, and damage during hire or use through a car-sharing platform. Wear and mechanical defects such as a worn clutch or a failed cambelt are never covered either. In this class, an undeclared main driver is the most common reason for a payout being refused.
Frequently asked questions
This is what people ask us most.
May my son or daughter drive the car?
Occasional use is allowed under virtually every policy. If it becomes regular, your child is the main driver and that must appear on the policy. After a claim, insurers look at who actually uses the car most. If that does not match the application, the payout can be reduced or refused. Declaring it costs premium; concealing it may cost you the whole claim.
Is a scratch caused by an unknown person covered?
Only under comprehensive cover. With no other party, there is no one to recover the loss from, so it comes back to your own cover. With third party or third party, fire and theft you pay yourself. Bear in mind that the claim affects your no-claims years; where the amount is small, paying yourself is often cheaper. Do always report it to the police, even if you decide not to claim.
Can I cancel the insurance while the car is not being used?
Not as long as the registration is in your name. Article 2 of the Dutch Motor Insurance Liability Act (WAM) requires third-party cover for every registered motor vehicle, even one that is not being driven. If you are not using it for a longer period, you suspend the registration with the RDW. Only then may the insurance come off. Note that while the registration is suspended the car may not stand on a public road, not even parked.
When do I switch to third-party, fire and theft?
At the point where the premium plus the excess per year takes up a large part of the residual value. Fire, theft, storm and glass damage then remain covered. Only damage you cause yourself do you bear. If you mainly make short journeys in town, that risk is real. With finance running the choice is not free: the lender usually requires comprehensive cover.
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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.