The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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.
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.
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.
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.
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.
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.
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.
