An RS Q5 does not appear in every rating table, and that is precisely why the insurance here starts with establishing the value rather than with the type of cover.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Not every version within this model range appears in the standard lists insurers work with. If it is an import, a version never officially supplied to the Dutch market or an example built to a different specification, the insurer cannot rate the car at the touch of a button. You only notice the consequence when you claim: there is no self-evident market value that the parties agree on.
The solution is a a valuation beforehand. Article 7:960 DCC provides that you do not receive more than the loss suffered, but it allows the value to be established in advance by experts. Such a valuation report binds both parties for the period of validity set out in the report and the policy. Without a valuation, on a total loss the insurer works from the market value that its own expert establishes, and on a rare version that can be a long way from what you paid.
On an import, watch the paperwork side too: a Dutch registration, an individual approval where one is needed, and watertight documentation of provenance. Without those you will get no further with underwriting. For how the cover is built up, see comprehensive or third-party, fire and theft and the overview Audi car insurance.
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.
Have the value fixed in advance
A valuation report from a recognised valuer describes the vehicle, the specification, the condition and the value assessed. As long as the report is valid, that figure is the starting point on a total loss; Article 7:960 DCC gives that prior valuation binding force. Without a report the insurer's expert sets the market value after the claim, and you then have that argument at the worst possible moment. Renew the report before the period of validity expires.
An unusual version calls for a full declaration
When you apply, state exactly which version it is, whether it is an import, the year of manufacture and mileage and which options are fitted. This falls under the duty of disclosure in Article 7:928 DCC. If it turns out afterwards that the model designation declared does not match the vehicle, the insurer can reduce the payout under Article 7:930 DCC, even where the error was unintentional.
Repair with original parts cannot be taken for granted
On a version never supplied here through official channels, body panels and specific parts are harder to obtain. So when taking out the policy, have it recorded whether the insurer pays for repair with original factory parts or with equivalent alternatives, and whether delivery times from abroad are allowed. Without an agreement in advance, a car is written off as a total loss sooner than it is repaired.
What falls outside the cover
Not covered are any increase in value over time above the valued amount, the cost of parts obtainable only from abroad in so far as your policy excludes that, and damage while taking part in speed events or track use. Wear and mechanical defects fall outside it too. An expired valuation report no longer counts: the market value rule in the conditions then applies again.
What does your premium depend on?
Whether or not there is a valid valuation. A valuation report determines the interest insured and with it the basis for own-damage cover.
Origin of the vehicle. An import with individual approval is assessed differently from an example supplied through official channels.
Availability of parts. Poor availability increases the average repair time and the chance of a total loss.
Engine power and weight. The drivetrain determines the third-party rating group, even where the model is not in the standard lists.
Storage and security. On rare versions, requirements as to an alarm, tracking system and overnight storage are set more often.
Number of kilometres per year. A limited mileage can lead to a more favourable rate or an adjusted arrangement on this type.
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.
Not as a matter of law, but on a version that does not appear in the standard lists it is the only way to fix the value in advance. Article 7:960 of the Dutch Civil Code gives a prior valuation by experts binding force, as long as the report is valid. Without a report the insurer works on a total loss from the market value its own expert establishes after the event.
How long does a valuation remain valid?
That is set out in the report itself and in your policy conditions; insurers apply a fixed period after which the valuation lapses. If the validity expires without a revaluation, you fall back on the market value rule. Put the end date in your diary and have the report renewed before it expires, not afterwards.
What if the exact version is not on the application form?
Do not simply pick the nearest option, but give the actual specification in writing with the vehicle identification number and the type approval. This falls under the duty of disclosure in Article 7:928 of the Dutch Civil Code. An incorrect model designation can mean the insurer reduces the payout under Article 7:930 DCC when you claim.
Does every company insure an imported version?
No. The number of providers is smaller for unusual or imported versions, and some insurers will only accept with a valuation, with a security requirement or with an increased excess. So supply the registration document, the valuation report and the purchase documentation with your application straight away; that avoids refusals and speeds up underwriting considerably.
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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