The A5 is the body-style variant of the range: coupé, Sportback and above all Cabriolet, and it is that fabric roof that places demands on the cover and on where the car is kept.
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In brief
What sets the A5 apart from the saloons in the same class is not the engineering but the body. On the cabriolet, between the occupants and the street sits a fabric hood with an electric or hydraulic operating mechanism. That has two consequences for the insurance: the car is more vulnerable to vandalism and break-ins, and the roof mechanism is an expensive component that, if it fails, is rarely covered by the policy.
On top of that, many examples are kept as a second car and used mainly in the summer half of the year. A low annual mileage works in your favour on the premium, but only if it matches reality and the storage you declare. If you want to leave the car unused for part of the year, suspending the registration is an option: provided the car is off the public road.
The larger body panels and the big wheel sizes make bodywork repairs more involved than on a compact car. Whether that weighs heavily for you depends on the type of cover you choose. On our page about comprehensive cover you can read what the difference means in practice.
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.
The fabric hood is the most vulnerable part
A slashed hood is common in attempted break-ins and vandalism. Replacing the fabric is expensive and there is only cover under comprehensive; under third-party, fire and theft, vandalism is usually outside the cover. Note the break-in situation too: if there is no forced entry to the locks but there is a cut in the fabric, that must be recorded as damage. Always report it to the police and photograph the cut before you have the car closed up.
The roof mechanism is not an insured part
If the hood sticks halfway because of a failed pump, a broken hinge or a worn seal, that is a mechanical defect. Every car policy excludes wear and defects. This belongs with maintenance or the warranty, not with the insurance. If an insured event damages the mechanism, for example in a collision, the repair is covered by own-damage cover. That distinction determines who pays the bill.
Rain, hail and an open roof
Hail damage to the bodywork is usually covered under both third-party, fire and theft and comprehensive. Rainwater running in because the hood was open is not: there is then no external cause but a lack of care. Leaks through an aged or split seal likewise count as wear. If you park outside, take the weather forecast into account. That responsibility rests expressly with you.
Exclusions on a second car used seasonally
Outside the cover are: wear to the hood, seals and mechanism, theft while the keys were in or near the car, taking part in speed or club runs on a circuit, and hire or use through a car-sharing platform. If the registration is suspended but the car is nevertheless parked on a public road, there is no third-party cover while it is in fact compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM).
What does your premium depend on?
Body style. Coupé, Sportback and Cabriolet are each judged differently on theft and damage risk.
Storage. A locked garage counts for more on a cabriolet than on a closed car.
Annual mileage and seasonal use. A car used mainly in the summer half of the year has a different mileage profile.
Wheel size and equipment. Large wheels and low-profile tyres increase the chance of rim and tyre damage.
Security level. An alarm and a tracking system may be set as a condition on an open car.
Type of cover and excess. Vandalism to the hood is only covered under comprehensive. That steers the choice.
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.
Damage from an external cause, such as vandalism, hail or a collision, is covered under comprehensive. Under third-party, fire and theft, vandalism is usually excluded. Wear to the fabric, discoloration, leaking seams and a faulty operating mechanism are never covered by the policy; that is maintenance. Have the hood checked periodically, because a demonstrably neglected hood leads to argument when you claim.
What if items were stolen from the car without signs of forced entry?
On a cabriolet that happens: the thief cuts the fabric rather than forcing a lock. Photograph the cut and mention it expressly in the police report, so that it is established that unlawful entry was gained. Without any trace of forced entry or damage, theft from the car is almost always refused. The damage to the hood itself is covered by own-damage cover.
Can I suspend the registration in winter?
Yes, if you do not use the car during those months and it is off the public road. Once the registration is suspended with the RDW, the duty to insure under Article 2 of the Dutch Motor Insurance Liability Act (WAM) falls away and you can let the third-party cover lapse. Do keep own-damage cover if the car is in a garage, because fire and theft remain possible. If you nevertheless park it in the street, you are committing an offence and are uninsured.
Are my wheels covered?
On theft of the complete wheels, usually yes under comprehensive cover, provided there are signs that they were removed. Rim damage from a kerb or a pothole, by contrast, falls outside the cover on many policies or under a separate provision, because it is regarded as ordinary use. Ask about this expressly if your car sits on large wheels with low-profile tyres.
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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