Third-party liability
- Damage to other cars and injury
- No cover for your own S2
- Compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM)
- Often chosen where use is limited
Youngtimer · five-cylinder quattro · agreed value
The S2 is now a youngtimer. That shifts the question from rating group to how the value is established: on market value or on a recorded agreed value.
Deze pagina in het Nederlands: Audi S2 verzekeren.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
The S2 with its five-cylinder turbo and quattro is no longer an ordinary used car. For insurers that changes the central question: not which rating group the car falls into, but what amount will be paid out on a total loss or theft. On a standard policy that is the market value, and that follows from a valuation system which rarely values a well-maintained, original S2 correctly.
The alternative is a agreed value. A valuation by a recognised valuer fixes the value under Article 7:960 of the Dutch Civil Code for a set period; within that period the insurer cannot rely on a lower value. Many companies offer this in a classic or youngtimer policy, with a lower premium in return for conditions: a maximum number of kilometres a year, storage in a locked space and a second car for everyday use.
Third-party liability cover remains compulsory here too under Article 2 of the Dutch Motor Insurance Liability Act (WAM). Own-damage cover is a deliberate choice on this model: parts are scarce, repair is specialist work and after a loss the car is written off economic total loss sooner than a modern car. Have it agreed in advance whether there will be a repair or a payment and whether you may choose your own repairer.
Three forms of cover, with the situations that arise most often on a youngtimer beneath them.
The legally required cover for damage you cause to others.
As well as third-party liability, a fixed list of events: theft, glass, fire, storm and collision with animals.
Own-damage cover on the basis of a recorded agreed value.
What is covered
| Situation | Third-party liability | Classic car policy |
|---|---|---|
| Damage you cause to someone else with the S2 | Yes | Yes |
| Theft, paid out at the agreed value | No | Yes |
| Fire or water damage in storage | No | Yes |
| Damage to your own car after a single-vehicle accident | No | Provided that |
| Driving more kilometres than agreed | Yes | No |
| Taking part in rallies, track days or speed events | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
Four points that count for more on a youngtimer than the premium itself.
On a total loss a standard policy works from the market value according to a valuation system. For a car from this period that often produces an amount well below the market price of a good example. With a valuation report you fix the value under Article 7:960 of the Dutch Civil Code for a set period. Have the valuation drawn up before you take out the policy and watch the period of validity; once it expires you fall back on market value.
The lower premium of a youngtimer or classic policy is set against specific obligations: a maximum number of kilometres per year, storage in a locked space, sometimes a minimum age for the driver, and the requirement that you have another car for everyday use. If you exceed the mileage or the car is regularly kept on the street, the insurer can reduce or refuse the payout. Keep a record of the mileage and report a move or a change of storage.
The following, among others, are outside the cover: wear, rust, corrosion and defects caused by deferred maintenance, even where they lead to consequential damage; mechanical and electronic defects without a collision, such as a cracked cylinder head gasket or a failed turbo; taking part in rallies, track days and speed or skill events; and damage while driving without a valid driving licence or under the influence. Restoration work and any increase in value are not paid for, and damage caused by intent or recklessness is excluded under Article 7:952 of the Dutch Civil Code.
Parts for this model are available only to a limited extent and repair is specialist work. As a result a loss exceeds the value sooner and the insurer declares the car economic total loss, while you actually want to keep it. Ask in advance whether you may choose your own repairer, whether used original parts are permitted and whether you can buy back the wreck. Report a loss as soon as reasonably possible (Article 7:941 of the Dutch Civil Code) and keep maintenance invoices and photographs as supporting evidence.
Insurers weigh these details differently. That is where your saving is.
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.
This is what people ask us most.
For own-damage cover it is strongly advisable. Without a valuation the insurer pays the market value on a total loss, and on a well-maintained example that often disappoints. A valuation by a recognised valuer fixes the value for a set period, so that there is no argument afterwards about what the car was worth.
That differs from one insurer to another. Most set a minimum age for the car and also make requirements as to mileage, storage, the driver's age and having a second car. If you do not meet all the conditions, a standard policy with a valuation is often a workable alternative.
That is an increase in the risk. The insurer can reduce the payout proportionately or, where the limit is consistently exceeded, refuse it and cancel the policy. If you expect to drive more, report it in advance; an adjusted mileage band costs premium, but keeps your cover in force.
No. Rust, corrosion, wear and defects caused by deferred maintenance fall outside every car policy, as do mechanical defects without a collision. Own-damage cover pays for damage caused by a sudden external event. Maintenance and restoration remain entirely at your own expense.
Not under your ordinary policy. Driving on a circuit and taking part in speed, skill or rally events are excluded, even without timing. Separate temporary cover exists for events. Arrange it in advance and have it confirmed in writing exactly what it covers.
Under many classic policies you can; under standard policies often not without an additional premium. On a car of this age that is a relevant point: an independent specialist often works with used original parts. Agree in advance what is permitted and whether you can buy back the wreck on a total loss.
Request a quote without obligation. We look at the valuation, the mileage and where the car is kept before we compare on premium.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
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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This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.
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