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
The Q4 e-tron is the entry point into the electric range: more compact, lighter and in practice often a family's first electric car or the second car alongside a petrol or diesel one. The use matches: many short journeys, town traffic and a modest annual mileage. The claims that come out of that are rarely spectacular, but they are numerous: parking damage, glass damage and low-speed collisions.
What calls for particular attention on this model is charging at home. A charge point fixed to the wall or standing in the garden belongs to the house and falls under buildings insurance (opstalverzekering), not under the car policy. The loose charging cable sits somewhere in between. Have it recorded where that cable is insured, because both policies can point to each other.
Are you looking for the larger, heavier SUV in the same range? Then see Audi e-tron car insurance, where the repair chain and weight are decisive.
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 charging cable falls between two policies
A cable that is part of the standard equipment and lies in the car is usually covered by own-damage cover if it is stolen from the locked car. If the cable is unplugged and taken while you are charging at a public point, that is another matter: many policies require a separate provision for it. Damage caused by trapping the cable or connecting it incorrectly is damage through your own improper use and is not paid for.
The charge point on your own land belongs to the house
A wall charger or post on the driveway is immovable property and falls under the buildings insurance for the home, even where you use it only to charge the Q4. If a fire starts and spreads to the neighbours' house, liability for a defective structure arises (Article 6:174 of the Dutch Civil Code), not your car insurance. Report the installation to your home insurer; an undeclared and uncertified installation leads to argument in the event of a fire.
Parking damage with no other party
The most commonly reported type of damage on a compact SUV in town is a dent or scratch whose cause remains unknown. Your third-party cover pays nothing for that: it is there only for damage you cause to others. Third-party, fire and theft does not cover collision damage either. Only comprehensive cover pays for this, subject to the excess, and with many insurers a claim with no known other party simply costs no-claims years.
Second car, changing drivers
A Q4 used as a second car is often driven by several people in the household. Declare the main driver correctly, including where that is a younger family member: that detail falls under the duty of disclosure in Article 7:928 of the Dutch Civil Code. Hire through a car-sharing platform or use as a delivery vehicle is excluded as standard. Driving without a valid licence or while disqualified also rules out all cover, whoever was driving.
What does your premium depend on?
Annual mileage. A second car with few kilometres falls into a more favourable band than a car used for daily commuting.
Area and parking situation. Street parking in an urban postcode area counts for more than a driveway or garage in a village.
Regular driver. The age, driving experience and claims history of whoever drives it most, not of the registered keeper.
Version and battery size. The battery and motor version chosen determines the value and with it the own-damage premium.
Accessories covered. A charging cable, roof rack and non-factory modifications only count if they have been declared.
Excess and cover chosen. Anyone willing to bear parking damage themselves can increase the excess and pay a lower premium.
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.
Is my charge point at home covered by the car policy?
No. A permanently mounted charge point or wall charger is part of the home and belongs on the buildings insurance. Report the installation to your home insurer and keep the installation report. Car insurance covers the vehicle and the accessories declared with it, and therefore does not pay for a faulty or burnt-out charging facility on your own land.
What if someone steals my charging cable while I am charging?
That depends on the wording in the conditions. A cable lying in the locked car is often covered by own-damage cover. A cable that at that moment connects the car to a public charge point is a separate matter for many insurers. Always report it to the police and ask in advance whether loose charging equipment is insured and subject to what excess.
Does a parking claim cost me no-claims years?
With most insurers yes, even where you do not know who caused it. The damage is then paid from your own own-damage cover and counts as a claim on your policy. For a small dent it is worth getting a repair estimate first and setting it against your excess and the drop in discount before you report it.
May I hire out the Q4 through a car-sharing platform?
Not on an ordinary private car insurance policy. Hire and commercial use are excluded as standard, and the insurer can refuse to pay for damage during such a hire period. If you want to share the car, declare it in advance. Some platforms bring their own cover, but that only replaces your policy during the hire and not outside it.
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.
