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 S5
The S5 is the six-cylinder version of the A5 and is usually driven every day: a high rating group combined with high mileage.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
Insurers classify the S5 on power, weight and list price. That puts it one or more rating groups above the four-cylinder A5, while the body and the way it is used barely differ. So the difference lies not in the chance of a claim but in the expected cost of each event. For third-party liability it makes no difference: as long as the registration is in your name, the insurance requirement in Article 2 of the Dutch Motor Insurance Liability Act (WAM)applies, whatever the version.
The pattern of use determines the rest. An S5 is rarely driven only at weekends. It is often on the motorway for commuting or business journeys. That mainly produces stone chips, glass damage and minor rear-end damage. Because the camera for the driver assistance systems sits behind the windscreen, replacing the glass means recalibration. Check whether your glass cover includes that calibration or whether it is treated as a separate repair item.
If you change anything about the car or the way it is used, report it during the term. An increase in power, a different wheel size or a move to business use changes the risk the insurer has accepted. What you declare when you apply falls under the duty of disclosure in Article 7:928 of the Dutch Civil Code; if it turns out afterwards to be wrong, the payout can be reduced under Article 7:930 of the Dutch Civil Code. If you are unsure which form of cover to choose, read comprehensive or third-party, fire and theft.
Independent, personal, sorted quickly
We compare your car insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Car insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
What does Audi S5 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?
- Power and rating group. Its six-cylinder engine puts the S5 higher in the rating scale than an A5 with the same body.
- Age of the regular driver. On S versions a minimum age and a minimum number of years' licence holding more often apply.
- No-claims years and step. Years carried over from a previous car or from a lease statement count heavily.
- Annual mileage and commuting. A lot of motorway mileage increases the chance of glass, stone chip and rear-end damage.
- Business or private use. An S5 driven for business is assessed differently from a car driven purely privately.
- Excess and glass cover. A higher excess brings the premium down; glass repair usually has its own arrangement.
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.
Where the repair costs of an S5 sit
Not in the engine, but around the edges. The headlight units, the radar in the front bumper, the sensors in the mirror caps and the adaptive dampers make apparently light front-end damage expensive. A collision at parking speed can already affect the entire front. That is precisely why the market value of an older S5 falls below the repair costs sooner than you would expect from the year of manufacture, with a total loss settlement as the result.
Who drives determines whether you are accepted
On S versions insurers more often set a minimum age and a minimum number of no-claims years. If the car is registered in your name but your son or daughter drives it regularly, that person is the main driver and not you. If you do not declare that, the risk differs from the one accepted and the insurer can rely on Article 7:930 of the Dutch Civil Code. So report a regular second driver in advance.
Chip tuning and modified parts
A software change that increases power, a sports exhaust or a different wheel and tyre size alters the basis of your rate. Without notification this counts as an incorrect declaration. Accessories and modifications are moreover usually only insured up to an amount stated in the policy and only where they appear on the policy. Have the modifications recorded on the policy schedule, and keep an invoice or fitting certificate in your own records.
What is not covered
The following remain outside the cover: driving on a circuit, during a track day or in a speed or skill event, even where it is an instruction day; wear and mechanical defects such as clutch, turbo or transmission damage without a collision; damage while driving without a valid licence or under the influence; hire or carrying passengers for payment; and damage arising during work on the car by you or by a firm that is not approved.
Frequently asked questions
This is what people ask us most.
Is the S5 more expensive to insure than a standard A5?
Usually yes. Insurers work from power, weight and list price, and on all three the S5 is higher than a four-cylinder A5. The difference lies mainly in the own-damage part, because the average cost of claims is higher. For the compulsory liability cover the difference is usually smaller than people expect.
Is calibrating the camera after a new windscreen paid for?
That differs by policy. The windscreen of the S5 houses the camera for lane and distance assistance. It has to be realigned after replacement. Some insurers include that in the glass cover, others treat it as a separate repair item with an excess. Ask about this before you have the glass replaced.
May my child drive the S5 occasionally?
Occasional use is not a problem under most policies, but regular use is. If someone drives it every week, that person is the main driver and must be on the policy. Insurers look closely at this on S versions in particular, because age counts heavily towards acceptance. Tell them in advance.
I drive the S5 as a company car. What does that mean for my no-claims years?
If you drive a car belonging to your employer, you do not build up no-claims years of your own; they sit on the owner's policy. Many insurers do accept a written lease statement confirming your claim-free period. Ask for it before you hand the car back, because such a statement is often hard to obtain afterwards.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
- Car insurance for the Audi A8Power, rating group, circle of drivers
- Car insurance for an AudiAll models, rating group, compare
- Car insurance for the Audi Q8Weight, claims burden, tariff group
- Car insurance for the Mercedes-Benz S-ClassPower, rating group, track use
- Car insurance for the Audi RS3Power, rating group, circle of drivers
- Car insurance for the Audi A1Low rating group, entry-level model, premium
- Car insurance for an AbarthPower, rating group, track use
- Car insurance for VolvoAll models, rating group, compare
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.