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 SQ7 has a towing capacity few passenger cars come near, and that determines how it is used: a horse trailer, a boat trailer, a large caravan or a braked trailer carrying equipment. For the insurance this means that you have to cover not one but three risks: the car, the trailer, and the damage the whole combination does to others.
The third-party cover of the towing car extends to the trailer coupled to it. As long as the trailer is attached to the car, the compulsory cover under Article 2 of the Dutch Motor Insurance Liability Act (WAM) also applies to the damage the trailer causes. If the trailer comes loose and comes to a stop away from the traffic, that extended cover ends and you fall back on your liability under Article 6:162 DCC or on your personal liability insurance (AVP).
If you transport horses, there is something more. Under Article 6:179 DCC the keeper of an animal is liable for the damage the animal does, even without any fault of their own. If a horse gets onto the road after an accident, that is a separate liability which does not come from the car policy. For the forms of cover on the car itself, 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.
The trailer itself has no own-damage cover
The car policy covers the damage the trailer causes to others, not the damage to the trailer. An overturned trailer, a rusted-through drawbar or a stolen boat trailer falls entirely outside it. If you want to insure the object itself, separate trailer or caravan insurance is needed. With more expensive trailers it is worth having them valued separately, certainly where there is fixed equipment or a tail lift on them.
Coupling, loading and the licence
Before every journey, check the tow ball coupling, the breakaway cable and the tyre pressures, and distribute the load so that the nose weight is right. If the combination exceeds the permitted towing weight or the required driving licence categoryis missing, you are driving contrary to the law. The insurer pays the other party, but can refuse your own damage claim and recover the amount paid out from you. Keep the trailer's registration document with the papers.
A trailer that comes loose and a lost load
Snaking, a coupling that comes free or a lost load causes substantial damage with a heavy combination. As long as the trailer is attached to the car, that damage runs through the car policy. If it has come loose and come to a stop away from the traffic, it shifts to your personal liability under Article 6:162 DCC. Always report an incident of this kind, even where at that moment only you appear to have suffered damage.
What falls outside the cover
Excluded are damage to the trailer and to the load carried on it, damage caused by overloading or incorrect load distribution, and the professional carriage of goods for payment on a private policy. Damage caused by an animal being transported falls under Article 6:179 DCC and not under the car insurance. Wear to the coupling, towbar and braking system caused by heavy towing is not paid for either.
What does your premium depend on?
Whether a towbar is fitted. A towbar that is fitted counts as a vehicle detail and must be declared.
The nature of what you tow. A horse trailer, boat trailer or caravan each produces a different pattern of use and claims picture.
Unladen weight of the car. The high weight of this version increases the damage to the other party and determines the third-party rating group.
Annual mileage including towing mileage. Driving with a combination counts; declare the actual use and not just the mileage driven solo.
Where the car and trailer are kept. Where the combination stands between journeys counts towards both the theft and the own-damage risk.
The driver's experience and licence category. The licence for the heavy combination is a question of acceptance, not a formality.
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.
For the damage the trailer causes to others it is, as long as it is coupled to the car. That follows from the compulsory cover in Article 2 of the Dutch Motor Insurance Liability Act (WAM). Damage to the trailer itself and to the load is not covered. For that you take out separate trailer or caravan insurance, with a valuation for more expensive examples if appropriate.
Who is liable if the trailer comes loose?
That depends on the moment. If the trailer causes damage while it is still attached to the car, or has just come loose and is still moving in the traffic, it runs through the third-party cover of the car. If it has come to a stop away from the traffic, the damage falls under your personal liability under Article 6:162 of the Dutch Civil Code.
What if a horse escapes from the trailer and causes damage?
Then Article 6:179 of the Dutch Civil Code applies: the keeper of an animal is liable for the damage the animal does, even without any fault of their own. That liability does not come from the car policy but from your personal liability insurance (AVP), and for horses kept commercially from a business liability policy. Check whether that cover extends to other people's animals.
Do I have to report towing a trailer separately?
The towbar in any event belongs with the vehicle details and must be declared. If you regularly drive a heavy combination or use the car commercially for transport, report that: it changes the risk the insurer has accepted. While you are at it, check that your licence covers the category required for the combination.
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.
