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 Q5 sits in the segment where the business market begins. A large share of examples are registered to an employer or a lease company, often as plug-in hybrids, and are also used privately. For the insurance that is no detail: the policyholder, the registered keeper and the driver are often three different parties here, and each role carries its own obligations.
If an employee drives the car and causes damage to a third party, the employer is also liable for it under Article 6:170 DCC. If the employer then wants to pass the excess on to the employee, it runs into Article 7:661 DCC: that is only possible in cases of intent or wilful recklessness, or where it has been agreed in writing and the employee can insure against it. Article 7:611 DCC also requires an employer to arrange proper insurance for employees who use the roads in the course of their work.
With an operating lease the insurance usually runs through the lease company and you have no policy of your own. With financial lease or an outright purchase on credit it is different, and the finance provider requires comprehensive cover. Always check who bears the own-damage cover and whether private and weekend use are covered.
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.
Get the purpose of use right on the policy
Insurers distinguish between private, commuting and business use. If the car is used for customer visits, installation work or deliveries, that is business use, even where the registration is in a private name. An incorrect declaration touches on the duty of disclosure under Article 7:928 DCC and can lead to a reduced payout under Article 7:930 DCCwhen you claim. If the car's role changes during the term, report it in writing.
Passing the excess on to the driver is not straightforward
Many employers set out in their car policy that the employee pays the excess on an at-fault claim. Article 7:661 DCC limits that: outside intent or wilful recklessness the employer bears the loss, unless it has been agreed in writing and the employee can insure against it. So set the arrangement out in the employment contract or the car policy document, and not just in an email after the event.
The plug-in hybrid: charging cable, charge point and battery
Damage to the charging cable during charging, theft of the cable from the charge point and damage to a charge point you drive into are each treated differently. Hitting someone else's charge point falls under third-party cover; theft of the cable only where accessories are insured. Loss of battery capacity through normal use is wear and falls outside every own-damage cover.
What falls outside the cover
Excluded are carriage of goods for payment and paid passenger transport, use as a driving school car for payment, and damage during maintenance or repair by a garage to which you have entrusted the car. Mechanical defects, software faults and battery ageing fall outside it too. If the driver drives without a valid licence or under the influence, the insurer pays the other party under Article 2 of the Dutch Motor Insurance Liability Act (WAM), but then recovers that amount.
What does your premium depend on?
Registration and policyholder. A business registration is rated differently from a private policy, even on the same car.
Purpose of use. Business use with customer visits produces a different rate from commuting alone.
Number and profile of the drivers. A car driven by changing members of staff is rated more heavily than one with a single regular driver.
Drivetrain. On a plug-in hybrid the higher weight and the value of the battery count towards the own-damage basis.
Annual mileage. Business examples usually cover a lot of kilometres. That declaration must match the mileage records.
No-claims years built up or claims statistics. With a fleet the insurer works from the fleet's claims record rather than from individual steps.
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.
With an operating lease the insurance is usually included in the lease rate and the lease company is the policyholder. You arrange nothing yourself. With financial lease you are the economic owner and take out the policy yourself, with the finance provider requiring comprehensive cover while money is owing. Check in the contract which version you have and who bears the excess.
May my employer recover the excess from me?
Only within the limits of Article 7:661 of the Dutch Civil Code. Outside intent or wilful recklessness the employee is not liable towards the employer, unless this has been agreed in writing and the employee can insure against it. A mention in an internal memo is too thin for that; set it out in the employment contract or the car policy document.
Is the charging cable covered?
That depends on the accessories cover in your policy. A cable stolen or cut through during charging is only covered under own-damage cover where accessories are insured, and is sometimes subject to a limit. Damage to someone else's charge point that you drive into falls under third-party cover. Deterioration of the battery through normal use is always excluded.
May I use the company car privately at weekends?
In insurance terms only if private use is included on the policy. If it shows business use only, the insurer can ask questions about a claim at the weekend. With a lease the contract also determines whether private kilometres are allowed and whether a mileage cap applies. Sort out both points in advance, not afterwards.
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.
