The A8 is a chauffeur-class car with an aluminium body and a great many sensors. That determines who may drive it and where the car may be repaired after a claim.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The A8 is the marque's flagship saloon: long, heavy and almost always driven for business. Two things are decisive for the insurance that barely arise on the sportier models. First, the group of drivers: in a chauffeur-class car it is not always the same person behind the wheel. Second, repair: the body is largely aluminium and the car is full of cameras, radar and laser sensors that have to be recalibrated after a repair.
Whoever drives the car regularly should be shown on the policy. The rate is based on the no-claims years of the regular driver; if in practice a partner, a member of staff or a chauffeur drives it, that is a fact you must declare under Article 7:928 DCC. If the car is used to carry passengers for payment, that falls outside an ordinary policy and commercial car insurance or separate cover is needed.
For the extent of the cover itself we refer you to comprehensive cover. On a car of this weight the third-party cover under Article 2 WAM is no formality: the damage you cause to someone else mounts up quickly here.
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.
Not every bodyshop can repair aluminium
The body is largely built up from aluminium and high-grade steel. That material calls for a separate workshop, its own tools and certified welders. If you choose a repairer yourself, check that they are approved for this. Some policies only pay where you stay within the insurer's repair network, others reduce the payout where you choose freely. Set this agreement down before you sign, not after there is damage.
After glass replacement the systems have to be recalibrated
Behind the windscreen sit cameras for lane assist and emergency braking. The bumpers and mirrors hold radar. After a windscreen or bumper is replaced, those systems have to be calibrated, and those costs belong to the claim. Have the repairer put the calibration on the invoice and ask for the report. If that does not happen, you are driving with systems that are slightly out, and you only notice when you need them.
Several drivers call for a clear declaration
A second regular driver, a chauffeur or a member of staff using it as a pool car must be shown on the policy. Insurers also often apply a minimum age or an increased excess for drivers under a certain age. If someone drives who has not been declared, the insurer can reduce the payout under Article 7:930 DCC. Lending the car occasionally is usually covered; regular use by someone else is not.
What falls outside despite wide cover
Paid passenger transport, hire and use as a driving school car are excluded on a private policy. The same applies to driving without a valid licence, to damage while taking part in speed events and to mechanical or electronic defects such as a failed air suspension or an infotainment module that has stopped working. Loss of value to the car after a sound repair is not paid for either. That is a claim you put to the other party if need be.
What does your premium depend on?
List price and kerb weight. A long, heavy saloon causes more damage to the other party in a collision, which counts in the third-party part.
Number and age of the declared drivers. A second regular driver or a chauffeur changes the policy's risk profile.
Business or private use. Commuting, business journeys and pool use are rated differently.
Repair costs for this version. Aluminium panels, matrix lighting and assistance systems make an average claim dearer.
Agreement on repairs. Repair within the insurer's network or free choice of repairer affects the premium and the excess.
Annual mileage and storage. A high business mileage and parking in a public car park push up the rate.
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.
That depends on the policy. Many insurers work with their own repair network and reward its use with a reduced or waived excess. If you go outside that network, part of the cost may fall to you. With an aluminium body the question is also a practical one: only a certified firm may weld and align this structure.
Does my chauffeur have to be on the policy?
If he drives the car regularly, yes. The insurer calculates the rate on the main driver's details. If that differs from reality, it is an incorrect declaration within the meaning of Article 7:928 of the Dutch Civil Code. You do not have to report letting someone drive on the odd occasion, but you do have to report regular use by someone else.
Is the calibration after a windscreen replacement included in the cover?
Yes, it belongs to the repair of the damage and not to maintenance. Have the firm show the calibration separately on the invoice and keep the report. If you use a glass repair firm that invoices the insurer directly, check that the firm can actually calibrate this model's systems.
May I let staff drive the car for business?
For commuting and business journeys you can, provided the business use and the drivers concerned have been declared. If the car is used to carry customers for payment, that is paid passenger transport and falls outside a private policy. That needs commercial car insurance with the right description of use.
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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