Third-party liability
- Required by law
- As long as the registration is in your name
- Suspend the registration when not in use
Car insurance for the Audi RS2
The RS2 Avant from the mid-nineties is now a classic, and that changes the question: not which cover is widest, but what value the car is insured for.
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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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
The RS2 was built over a short production period and in small numbers, together with Porsche, on the basis of an 80 Avant. Parts of the braking system, the mirrors and the wheels come from the Porsche parts bin of the time. The car is now well over thirty years old. That moves it out of the ordinary car insurance domain towards classic car insurance, with different conditions and a different concept of value.
On an ordinary policy the market value is paid on a total loss. On a car with collector's value that market value is no usable measure: prices are set by originality, mileage and history. So work with an agreed value valuation by a recognised valuer, with photographs and a description of the condition. Article 7:960 DCC prohibits you from profiting from a loss, but a valuation report fixes in advance what it is you are losing.
A classic car scheme is cheaper, and there is a reason for that: restrictions on use are attached to it. Think of a maximum number of kilometres a year, a ban on commuting and a requirement about storage. If you drive the car every day, that scheme does not fit and a mainstream car insurance on a valued basis remains the right route.
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What does Audi RS2 car insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Causes beyond your control.
- Fire and storm
- Theft
- Windscreen damage
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.
What does your premium depend on?
- Valued amount and the date of the report. The recorded value is the basis. An expired report takes you back to the market value.
- Age of the vehicle. From a certain age a classic or youngtimer scheme comes into view with its own rating structure.
- Agreed maximum mileage. Enthusiast cover works with a tight mileage cap that strongly affects the rate.
- Storage and security. Dry, locked storage is often a binding condition of acceptance on cars like these.
- Condition and originality. Documented maintenance, history and original parts count in both acceptance and valuation.
- Availability of a second car. Insurers often ask whether there is a car for everyday use. That supports the limited use.
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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Market value is no measure on this car
A car of this age does not appear at its true value in any depreciation table. Without a valuation report the loss adjuster only sets the figure after the damage, and the conversation then turns on comparable cars for sale that barely exist. Have the car valued in advance, including the interior, the original wheels and repairs you can evidence. Note the report's period of validity: once it expires, you fall back on the market value.
Parts are the reason claims run over
Body panels, glass, headlights and model-specific parts are no longer available new. Repairs are done with used original parts or by skilled hand, and that takes time. Agree in advance that used original parts are permitted and that you may nominate a specialist yourself. Without that agreement a bodyshop estimates at new-part prices, the estimate comes out above the agreed value and a total loss follows while the car could still have been saved.
The restrictions on use in a classic car scheme
Enthusiast cover usually assumes limited use: a maximum mileage, no commuting, no business journeys and storage in a dry, locked space. Those are not suggestions but policy conditions. If the car is being used outside those limits when it is damaged or stolen, the insurer can reduce the payout. If you use the car more widely, choose a mainstream policy; the difference in price does not outweigh a refused claim.
What a classic car policy by definition does not cover
Rust, failed paintwork, wear and material fatigue fall outside every cover. Those are consequences of age and of maintenance. The same applies to mechanical and electrical faults, to damage during runs with an element of speed or manoeuvring, and to repair work that leaves the car in better condition than before the damage. If loss of value remains after a repair, that is in principle a claim against the other party.
Frequently asked questions
This is what people ask us most.
Does this car qualify for classic car insurance?
On grounds of age, usually yes, but every insurer applies its own qualifying age and its own requirements as to use. If you drive limited mileage, keep the car indoors and have another car for everyday use, such a scheme fits. If you do not meet those requirements, choose a mainstream policy with a valuation clause rather than classic car cover.
What is the difference between market value and valued amount?
Market value is what the car was worth at the time of the damage according to the loss adjuster; he estimates it after the event. A valued amount is a figure a recognised valuer sets in advance and the insurer accepts. On a car with collector's value that makes a considerable difference, because there are too few comparable cars for sale on which to base a market value.
Is my car written off more quickly?
That risk exists if the estimate is based on new parts when those are no longer available. So agree in advance that used original parts may be used and that you may appoint a specialist. Also have it recorded that on a total loss you may buy back the remains, so that the car does not slip out of your hands.
Are rust or a failed turbo insured?
No. Rust, wear and mechanical or electrical faults are consequences of age and maintenance and fall outside every own-damage cover. Insurance pays for a sudden event from an external cause, such as fire, theft, storm or a collision. You remain responsible for the condition and the mechanicals yourself, even on a policy with a valued amount.
Every situation is different. For these situations we have a separate page.
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Read more
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.