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 A4
The A4 and A4 Avant are the mile-eaters of the range: many examples are driven for business, tow a trailer or caravan and regularly cross the border.
- 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
On this car the risk lies not in the model but in use. An A4 that commutes every day and tows a caravan at weekends is a different risk from the same car used only for the shopping. Insurers therefore ask about the annual mileage and about whether you drive privately, for commuting or for business. What you declare determines the rate and, when you claim, whether any argument arises.
If you drive for business, two things are added. First: carrying goods for payment and carrying passengers for payment are excluded on an ordinary private car policy. Second: damage you cause during working hours also affects your employer. Under Article 6:170 of the Dutch Civil Code an employer is liable for the mistakes of subordinates in the course of their duties.
A separate rule applies to trailers. As long as one is coupled to the car, liability for damage to third parties falls under the towing car's third-party cover, under Article 2 of the Dutch Motor Insurance Liability Act (WAM). Damage to the trailer or caravan itself is not covered by it. You arrange that with separate own-damage cover.
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.
Car insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
What does Audi A4 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?
- Declared annual mileage. On this car the most decisive factor after the no-claims years.
- Purpose of use. Private, commuting or business use lead to different rates and conditions.
- Towbar and trailer use. Towing a caravan or trailer regularly is assessed separately and sometimes made subject to a clause.
- Version: saloon or Avant. Weight and body shape feed through into the rating group.
- No-claims years and bonus-malus step. At high mileages you run a greater risk of an at-fault claim and a drop back.
- Area of cover. Frequent trips abroad call for a valid green card and sometimes for breakdown assistance abroad.
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.
Mileage and purpose of use are not estimates
Understating your annual mileage, or ticking 'private' while you drive for business, brings the premium down but undermines the policy. After a claim the odometer reading is checked against your declaration and against the MOT history. If it consistently differs, the insurer can reduce the payout under Article 7:930 of the Dutch Civil Code. Also report it when your situation changes, for example when a new job means a longer journey.
Trailer, caravan and bicycle rack
While coupled to the car, the trailer is covered for damage you cause to others; once uncoupled and at a standstill, it is not. Damage to the trailer or caravan itself is never covered on the car policy. Watch the bicycle rack too: bicycles that fall off, and the damage they cause, fall outside the car's own-damage cover. For those items you need separate travel or cycle cover.
Driving for work changes who gets the bill
If you cause a collision during working hours, the injured party can claim against both you and your employer; Article 6:170 of the Dutch Civil Code places the liability with the employer. Recovery from you personally is then limited to intent or wilful recklessness, as Article 7:661 of the Dutch Civil Codeprovides. If you use your own car for business, agree in advance who bears the excess and whether cover for employees' vehicles is in place.
What the policy excludes on business use
Outside the cover are: courier work and other carriage of goods for payment, paid passenger transport, and the tools, samples or trading stock carried in the load space. Those goods are not part of the car and are not covered by own-damage cover. Beyond that, the standard exclusions apply: driving without a valid licence, driving under the influence, and wear or mechanical defects. If you often carry a load, consider a commercial vehicle policy.
Frequently asked questions
This is what people ask us most.
Is my caravan covered through the car?
Only for damage the caravan causes to others while it is coupled. That follows from Article 2 of the Dutch Motor Insurance Liability Act (WAM). Damage to the caravan itself, for example from hail, theft or a blow-out on the motorway, falls outside it. For that you take out separate caravan or trailer insurance. If the trailer comes loose and comes to a stop, cover through the car ends.
What if I drive for business but declared private use?
The basis of the policy is then wrong. After a claim the insurer may consider what it would have done had the declaration been correct and reduce the payout proportionately, under Article 7:930 of the Dutch Civil Code. Business use also often carries different conditions. If your situation changes, for example through a new job or frequent customer visits, report it straight away.
Are my tools in the boot covered?
Not on the car insurance. Own-damage cover applies to the vehicle and its fixed accessories, not to load, tools, laptops or trade samples. If there is a break-in, the policy pays for the damage to the lock and the glass, but not for the contents. For items you carry regularly you need separate business contents or tools cover.
Who pays if I cause a collision during working hours?
The injured party can claim against your employer under Article 6:170 of the Dutch Civil Code. Recovery from you personally is only possible in cases of intent or wilful recklessness, as Article 7:661 of the Dutch Civil Codeprovides. Where you use your own car for work, the employer can pay the excess or the loss of no-claims years; set out in writing in advance what has been agreed about that.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
- Car insurance for the Mazda 3Company car, policyholder, no-claims years
- Car insurance for the Audi RS4Power, rating group, track use
- Car insurance for the Kia SportageTowbar, trailer, entitlement to drive
- Car insurance for the Audi S6Power, rating group, track use
- Car insurance for the Peugeot 308Business registration, no-claims years, employer
- Car insurance for the Audi SQ7Weight, rating group, parking damage
- Car insurance for the Citroën BerlingoCommercial registration, load and fitting out, staff
- Car insurance for the Volkswagen PassatEstate, plug-in hybrid, market value
Read more
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.