With Audi it is the specification that sets the risk: the same body carries both an economical four-cylinder and an S or RS version with quattro and considerably more power.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
With Audi, the model name says little about the premium. Within the same range the offering runs from a four-cylinder with front-wheel drive to an S or RS version with quattro drive, more weight and considerably more power. Insurers work from that specification and from the engine code, not from the range as a whole.
On the claims side, the difference lies mainly in repair costs. Aluminium and high-strength body panels are replaced rather than beaten out, the larger models run on air suspension, and the headlights, grille and bumpers contain electronics that have to be recalibrated after replacement. A collision that looks minor therefore quickly becomes a substantial own-damage claim.
If you drive the car for business or through the company, say so when you apply. If you are looking for the figures for one particular version, see also the page on the Audi S8 or the Audi A1.
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 specification counts for more than the model
An A4 with a four-cylinder engine and an S4 with quattro share the body, but not the rating group: power and weight each count separately. So give the exact specification and the engine code, and not just the model name. If what you declare differs from what is actually on the road, the insurer can rely on the duty of disclosure under Article 7:928 of the Dutch Civil Code and reduce or refuse the payout.
Aluminium and bonded body panels
On the larger Audis, part of the body consists of aluminium and high-strength steel. Those panels are not beaten out but replaced, and repair calls for a workshop with the right certification and equipment. If you opt for free choice of repairer, many policies apply a higher excess. Rust, paint damage from continued use and stone chips without a collision remain outside own-damage cover.
Matrix lighting and sensors in the nose
On these cars a car park collision is rarely limited to bodywork. The headlight units contain steerable LED technology, and the grille and bumpers hold radar and parking sensors that have to be recalibrated after replacement. So ask how your policy treats calibration costs and original parts. A fault or software error without an external impact is not a covered loss.
Lease and business use
Many Audis are driven for business. If an employee causes damage, the employer is liable towards the victim under Article 6:170 of the Dutch Civil Code, while you can only recover the excess or the own damage from that employee in cases of intent or wilful recklessness (Article 7:661 of the Dutch Civil Code). If a car on a private policy is regularly used for work, declare that in advance.
What does your premium depend on?
Trim level and engine power — An S or RS version falls into a clearly higher rating group than the base specification with the same body.
Quattro drive and weight — Four-wheel drive adds weight and technology, which affects both the claims cost and the rating group.
List price including factory options — Lighting packages, air suspension and interior options count towards the value used in the calculation.
Regular driver — The age, driving experience and number of no-claims years of whoever drives the car most.
Business or private use — Commuting, business journeys and the annual mileage determine how much exposure there is.
Cover and excess — Third party, third party fire and theft or comprehensive, plus the excess chosen and any glass clause.
Insurers weigh these details differently. That is why comparing pays off.
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.
Yes. The insurer looks at power, weight and list price, and on an S or RS version those are clearly higher than on the base specification with the same body. Some insurers also set requirements as to age and driving experience before they will accept such a version. So state the specification exactly when you apply.
Are factory options and accessories included in the cover?
Options fitted at the factory are included in the list price and are therefore covered. For items fitted afterwards, such as different wheels, an audio installation or wrapping film, most policies apply a separate limit. Anything above that you must declare and have recorded, otherwise only the standard specification is paid for when you claim.
Who pays for the damage if I drive a lease car?
With operating lease, the insurance usually runs through the lease contract and not through your own policy. If you cause damage during working hours, the employer bears the liability under Article 6:170 of the Dutch Civil Code. The excess may only be recovered from you in cases of intent or wilful recklessness; Article 7:661 of the Dutch Civil Code limits that.
Is chip tuning or a power increase covered?
Only if you declare the change in advance and the insurer accepts it. An undeclared power increase changes the risk on which the premium is based; when you claim, the insurer can then reduce or refuse the payout. A modification not recorded in the vehicle register can also cause problems in settling a claim.
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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