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
The SQ5 is bought as a comfortable long-distance car: plenty of motorway mileage, holidays with a full car and business journeys through Germany, Belgium and France. For the insurance that means a different point of attention from a car that mostly stays in its own region. The heart of the matter here is not the form of cover but the question of where the cover applies and who helps you when you come to a stop far from home.
The compulsory third-party liability cover under Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies in the Netherlands and, under the European arrangements, in the other countries of the European Economic Area. For countries beyond those, the green card determines where you are insured: the card lists the country codes, and a crossed-out code means no cover. Check that card before you leave, and not at the border.
Own-damage cover and assistance follow a route of their own. Comprehensive cover usually applies in the same area as the green card, but repatriation of the car and its occupants, a replacement vehicle and the advancing of repair costs sit in separate breakdown assistance cover. Without that module the insurer does not arrange the tow. For the basic structure, see 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.
Check the country codes on the green card
The green card is the proof of your third-party cover abroad and states for each country whether the cover applies. A crossed-out country code means you are not insured there. You then have to take out temporary insurance at the border. If you drive there without it, you are uninsured and risk having the vehicle impounded. Ask for an amended card as soon as your route falls outside the standard area.
Breakdown assistance is separate cover, not part of own-damage cover
Towing, recovery, repatriation of the car, transport of the occupants home and a replacement car on the spot fall under assistance, not under own-damage cover. Choose deliberately between assistance abroad only and assistance including the Netherlands, and note the age limit that many insurers apply to breakdown assistance. Always call the emergency centre first. If you arrange a recovery firm yourself, that bill is often not paid.
Damage abroad: record what happened on the spot
Together with the other party, fill in the European Accident Statement; that form has the same structure in every country, so you can understand the boxes even if the language is not yours. Note the registration number, insurer and policy number of the other party, and take photographs of the final position of both vehicles. Article 7:941 DCC requires notification as soon as possible; call the emergency centre while you are still at the scene of the accident.
What falls outside the cover
Not covered are journeys in countries whose code is crossed out on the green card, the cost of a recovery firm you engage yourself without going through the emergency centre, and maintenance, repairs or parts that are not needed to continue the journey. Losses from delay, missed bookings and accommodation costs without assistance cover also fall outside it, as does the occupants' luggage.
What does your premium depend on?
Annual mileage. On a car used mainly for long distances this is one of the heaviest factors in the rate.
Area of cover. An extension to countries outside the standard area of the green card costs extra premium.
Assistance cover chosen. Abroad only or the Netherlands as well, with or without a replacement vehicle, makes a difference.
Purpose of use. Business journeys across the border are assessed differently from purely holiday trips.
Engine power and weight. They determine the third-party rating group and with it the basic premium of this version.
No-claims years. Even with high mileage, the step you have built up remains the largest discount on the basic premium.
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.
Within the European Economic Area a Dutch registration is enough as proof of insurance, but the green card remains the most practical document after a collision and is required outside that area. Check the country codes before you leave: a crossed-out code means no cover. If your route differs, ask your insurer for an amended card in good time.
Who pays for the tow if I come to a stop abroad?
That is the assistance cover, not the own-damage cover. Always call the emergency centre shown on your policy or green card first; they will engage a recovery firm and keep the costs within the agreed arrangements. If you arrange a recovery firm yourself, the bill is often not paid, or only in part. Without assistance cover all the costs are at your expense.
Will I get a replacement car abroad?
Only if a replacement vehicle is included in your assistance cover. The conditions determine the class of the replacement car, the maximum period and whether the arrangement also applies to a breakdown as well as to a collision. If your policy says nothing about a replacement vehicle, the emergency centre will at most arrange transport home for the occupants.
What do I do after a collision with a foreign driver?
Complete the European accident statement together, note the registration number, insurer and policy number of the other party and take photographs of the final position of both cars. Then report it to your own insurer as soon as possible, as Article 7:941 of the Dutch Civil Code requires. Recovery from a foreign insurer runs through a claims representative in the Netherlands and takes more time than a domestic file.
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.
