With the RS6, acceptance is not about the engine but about the lock: security, key management and where the car is kept decide whether an insurer will take the risk.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The RS6 is a large, fast estate that remains sought after on the second-hand market. Insurers place cars in that segment in a higher theft class, and that translates into requirements on acceptance: an approved alarm or immobiliser system, often supplemented by a tracking system, and an agreement about where the car is kept at night. Those requirements appear on the policy as warranty clause and they are not advice.
The practical problem is called keyless entry. On a car that unlocks and starts as soon as the key is nearby, the signal from that key can be picked up and amplified. The car then thinks the key is there. No signs of forced entry are left behind, and that is precisely what makes handling the claim difficult: the insurer will want to know where both keys were and whether the system was switched on. So keep keys in a shielded pouch or tin.
If things do go wrong, Article 7:941 DCC requires you to report the theft as soon as possible. Report it to the police straight away, hand in both keys and the complete registration document, and register the vehicle with the national stolen vehicle register. For how the cover is built up, see comprehensive 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.
A security requirement is a condition, not a recommendation
If your policy states an approved alarm or tracking system class, that installation must be fitted, certified and switched on. If the car is stolen while the system was not activated or the maintenance certificate had expired, the insurer can refuse to pay. Keep the installation certificate and the annual inspection certificates with your policy papers, and report any change of installer or subscription.
Keyless: the signal is the weak point
In a relay attack the signal from your key is picked up inside the house and passed on to the car. There is no forced entry, no glass damage and no alarm. So do not leave keys by the front door, use a shielding pouch and, where possible, switch on the key's motion detection so that it stops transmitting once it is at rest. When you report the theft, state precisely where both keys were; that question comes up in every theft file.
Leaving keys behind costs you the cover
Theft while the key was in the ignition or in the car is excluded under practically every policy. That also applies at the charging point, at the pump and on the drive with the engine running. If you cannot produce both keys after a theft, the insurer will hold the claim until it is clear where the missing key is. If a key is missing after a burglary at your home, report that immediately and have the locks recoded.
What else stays outside the cover
Besides the points mentioned, the following remain excluded: joyriding or misappropriation by someone to whom you handed the car voluntarily, damage while driving on a circuit or in speed events, and wear or mechanical defects. If you fail to mention an earlier theft or an earlier refusal when you apply, that touches on the duty of disclosure in Article 7:928 DCC and the payout can be reduced under Article 7:930 DCC.
What does your premium depend on?
Theft class of the model. Insurers place sought-after models in a higher risk class, with their own security requirements.
Level of security fitted. An approved alarm, an immobiliser and a tracking system lower the rate and make acceptance possible.
Where the car is kept between journeys. A locked garage, a drive or the public road each carry a different theft risk.
Postcode. The theft and burglary figures for the area count more heavily with this type of car.
List price including options. Wheels, the audio system and ceramic brakes increase the value and with it the interest to be insured.
Claims history and earlier theft. An earlier theft or break-in of a vehicle counts towards acceptance and towards the 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.
Not by law, but at this value and theft class an insurer often sets it as a condition of acceptance. If the requirement appears on the policy as a warranty clause, the system must be fitted, certified and active, including a current subscription. If that subscription lapses, you no longer meet the clause and the insurer can refuse to pay after a theft.
Am I covered for theft without signs of forced entry?
In principle yes, because theft is the insured event and not the method. But the insurer will investigate: where both keys were, whether the security was switched on and whether the police report tallies. If you cannot produce both keys, the handling stalls. So co-operate with the investigation and supply the documents requested straight away.
What should I do if my car is stolen?
Report it to the police immediately and notify your insurer; Article 7:941 of the Dutch Civil Code requires notification as soon as possible. Then hand in both keys, the registration document and the purchase invoice, and have the vehicle registered as missing. Bear in mind that the conditions set a waiting period before any payment is made.
Does a key pouch really help?
Against a relay attack it does: a shielding pouch blocks the signal, so the key cannot be picked up and amplified inside the house. Many keys also have a motion sensor that stops transmission once the key is at rest. That function can often be enabled through the dealer. Both measures cost little and remove the most commonly used method.
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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