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
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.
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.
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.
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.
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.
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.
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.
