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 Q7 is the large family and people-carrying car of the line: seven seats, often fully occupied on holiday journeys and on the run to sport or school. Where the smaller models are about dents and bumpers, here it is about who was in the car and who pays for their loss. That is precisely the point where standard third-party cover leaves a gap.
The compulsory third-party liability cover under Article 2 of the Dutch Motor Insurance Liability Act (WAM) pays for the damage you cause to others. Passengers in your own car count as third parties in this: their injuries are covered where you are liable under Article 6:162 DCC. The the driver is not. If you cause a single-vehicle accident and are injured, your own third-party insurance pays nothing for your injury, your loss of income or your rehabilitation.
You fill that gap with occupants' indemnity insurance or occupants' personal accident insurance. The first pays the loss actually suffered by all occupants including the driver, regardless of fault. The second pays a fixed sum on death or permanent disability. On a car with this number of seats, the choice between those two matters more than the choice between the types of own-damage cover.
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 driver falls outside their own third-party cover
Your third-party insurance pays for other people's losses, not your own. In a single-vehicle accident, for example against a tree or a crash barrier, you are left with your own injury losses unless you have additional cover. An occupants' accident insurance then pays on the basis of the loss actually suffered, even where the accident was your own fault. Check that this cover extends to the full number of seats and not just some of them.
The number of seats must be right
Occupants' cover is taken out for the number of seats permitted under the registration document. If you carry more people than there are belts, you are acting unlawfully and the insurer can refuse to pay for that extra occupant. The same applies to the third row of seats: use only the belts provided for it and place children in an approved seat in a position where that is allowed.
Injury claims run for a long time and call for early notification
An injury file runs for years and starts with the notification. Article 7:941 DCC requires you to report the event as soon as possible; do not wait until the medical position is clear. Record the circumstances straight away with a fully completed accident statement, photographs and witnesses' details. Also record who was sitting where: in a file with several injured people, the seating position is decisive in assessing the injuries.
What falls outside the cover
Not covered are occupants carried without a belt or outside a seat, injury during paid passenger transport or taxi services, and injury while taking part in speed events or track use. Passengers' luggage is not covered by the car's own-damage cover either. Intent and wilful recklessness on the part of the insured fall under Article 7:952 DCC, and driving under the influence leads to the amounts paid being recovered from the driver.
What does your premium depend on?
Number of seats under the registration document. Determines the extent of occupants' cover and with it the premium for that section.
Occupants' cover chosen. Occupants' indemnity insurance costs more than the personal accident version, but pays the loss actually suffered.
Mass of the vehicle. The high kerb weight increases the damage to the other party and feeds through into the third-party rating group.
Annual mileage and journey profile. Many fully laden holiday journeys with a trailer or roof box are assessed differently from short local trips.
Age and no-claims years of the regular driver. On this type of car too, it remains the basis on which the third-party section is calculated.
Excess chosen. Applies to the own-damage section; occupants' cover usually carries no excess.
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.
Are my passengers insured under ordinary third-party cover?
Yes, passengers count as third parties. If you are liable for the accident under Article 6:162 of the Dutch Civil Code, your third-party insurance pays for their injury and property damage. The driver is the exception: that loss falls outside their own third-party cover. For that you need occupants' indemnity or personal accident insurance, which you have added to the policy separately.
What is the difference between SVI and OVI?
Occupants' indemnity insurance pays the loss actually suffered by all occupants including the driver: injury, loss of income, the cost of care. Occupants' personal accident insurance pays a sum agreed in advance, only on death or permanent disability, without looking at the actual loss. The first suits a car in which several people regularly travel.
Does the cover extend to the third row of seats?
Only to the number of seats shown on the registration document and for which belts are fitted. If there are more people in the car than permitted, the insurer can refuse to pay for those occupants. When applying, check that the cover is taken out for the full number of seats and does not stay at five by default.
Do I have to report an injury straight away, even if it seems slight?
Yes. Article 7:941 of the Dutch Civil Code requires notification as soon as possible, and symptoms after a collision sometimes only appear days later. An early notification with a fully completed accident statement, photographs and witnesses' details keeps the file open. If you only report it months later, the insurer can argue that its ability to investigate has been harmed.
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.
