The A7 Sportback is the rarest of the range and usually heavily specified. On this car the conversation with the insurer is mainly about theft prevention and about where the car may be repaired.
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 a car that is on the road in small numbers and sits high in the market, the emphasis shifts from collision damage to theft. Insurers will usually accept cars like these, but they set requirements as to security: a certified alarm system of a particular class, or a vehicle tracking system with a subscription. That requirement appears on the policy as a warranty clause and is not advice but a condition of cover.
On top of that, the keylessoperation a real point of attention. In a relay attack, criminals amplify the signal from the key lying indoors and open and start the car without forcing anything. Because there are then no traces, insurers require a watertight account and the surrender of all keys. Keep the key in a signal-blocking pouch, away from the front door.
The third point is repair. Aluminium body panels and bonded structures call for a repairer with the right equipment and certification. Not every general bodyshop can do that, which lengthens the time it takes. So ask in advance whether your policy allows free choice of repairer and what that does to the excess and to a replacement vehicle.
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.
Security requirements are binding conditions
If a certified alarm or a tracking system is a requirement on your policy, theft cover depends on compliance. A system that was not switched on, a lapsed subscription to the tracking system or an installation without a valid certificate leads to the claim being refused. Keep the installation certificate and the annual service records. When a theft is reported, those are the first documents the insurer asks for.
Theft without signs of forced entry calls for evidence
In a relay attack the car is left undamaged and there are no signs of forcing. The insurer then investigates whether all keys are present and whether the system has been read out. If you cannot produce all the keys, the claim is in general refused. When buying a used example, always record how many keys were supplied and have missing ones removed from the system.
Repair on a model built in small numbers
Aluminium and bonded body panels may only be repaired using the prescribed method and equipment. The number of firms permitted to do so is limited, and parts are not always in stock. Expect a longer time off the road than with a mainstream car. Check whether your policy allows free choice of repairer, or whether you are obliged to use a network repairer and what excess applies then.
Exclusions that most often lead to a refusal here
There is no cover for theft where not all keys can be handed in, where the prescribed alarm or tracking system was missing or not working, or where the keys were left in or near the car. Also excluded: taking part in speed trials and track days, hire or use through a car-sharing platform, and undeclared modifications to engine management or suspension. Wear and mechanical defects fall outside the cover as always.
What does your premium depend on?
How prone the model is to theft. Determines which security class the insurer sets as a condition.
Security fitted. A certified alarm and an active tracking system with a subscription feed straight through into the rate.
Storage at the home address. In this category a locked garage is sometimes a condition of acceptance, not a bonus.
Engine and weight. The more powerful versions fall into a higher rating group and are underwritten more strictly.
Steering of repairs. Free choice of repairer costs premium or a higher excess compared with network repair.
Age and experience of the driver. In this class insurers more often apply a minimum age and a minimum number of no-claims years.
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.
Do I have to have an alarm or tracking system fitted?
That depends on the conditions of acceptance. On cars in this category, insurers regularly require a certified alarm system or a tracking system with a subscription. If that requirement appears as a clause on the policy, theft cover is tied to it: no working system, no payout. We ask about that requirement in advance, so that you can take the cost of installation into account when comparing insurers.
What happens if the car is stolen without forced entry?
In a relay attack there are no traces. The insurer then investigates the claim thoroughly: all keys have to be handed in, the on-board system is read out and the police report is tested against the circumstances. If a key is missing or the prescribed system turns out not to have been active, a refusal follows. Keep keys in a signal-blocking pouch and not by the front door.
May I choose my own repairer?
That differs from policy to policy. Some insurers offer free choice, others steer you to an approved network and then reduce the excess or provide a replacement vehicle. With aluminium and bonded body panels the number of certified firms is limited, so check that the marque specialist you prefer falls within the policy conditions before you have the repair booked in.
Am I covered if I lose a key?
Replacing and recoding a key is usually not an insured loss. That comes under ordinary use. Some policies have a limited module for it. What matters more is that you have a lost key removed from the system straight away: if you cannot produce all the keys after a later theft, that alone is grounds for the claim to be refused.
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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