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
Within the Audi range the TT is unusual in that it is rarely the only car in the household. Many examples cover a limited mileage, stand idle in winter and are used mainly at weekends. That calls for a different policy from an everyday car: a low mileage band, a discount for fixed storage and sometimes a second-car arrangement under which you take part of the no-claims years of your first car with you.
Technically, the body is the point to watch. The TT is built from a combination of aluminium and steel, with bonded and riveted joints. Not every repairer may or can work on that; aluminium calls for separate tools and a separate straightening bench. So have it recorded that you may nominate a marque specialist or a repairer with aluminium certification. If the car is sent to the standard network, the repair is not always matched to the structure.
If you drive an older TT, consider whether an enthusiast arrangement suits you. With limited mileage, fixed storage and no commuting use, insurers offer more favourable conditions, often with an agreed value under Article 7:960 of the Dutch Civil Code. On the first generation even a classic car or youngtimer insurance may come into view. Do bear in mind that such arrangements carry strict conditions of use.
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.
Aluminium repair calls for the right repairer
Where steel is straightened, aluminium is replaced or bonded. A body shop without aluminium certification simply cannot carry out part of the work, with the risk that a solution is chosen which weakens the structure. Have it recorded in the policy or when you report the claim that the car goes to a marque specialist. On average side damage that is worth more than most of the differences in excess you weigh up when taking out the policy.
The soft top on the Roadster
On the open version the hood fabric is a risk of its own. Cuts made in an attempted break-in, damage to the hood mechanism and leaks after folding it away incorrectly all occur regularly. Vandalism to the fabric is covered under third-party, fire and theft, but wear to the seams, discolouration and a jamming mechanism are not. Also check whether the car may be parked with the hood open; some policies exclude theft if the car is left unlocked.
Limited mileage and winter storage
If the TT is kept indoors from November to March, you can use that. A low mileage band and fixed, locked storage produce better conditions. Suspending the registration is an alternative: the insurance requirement under Article 2 of the Dutch Motor Insurance Liability Act (WAM)then lapses, but so does cover for use on the road. Fire and theft cover during storage only continues if that is expressly stated in your policy.
What is not covered
The following remain outside the cover: driving on a circuit, during a track day or in a skill event; wear to the hood fabric and the hood mechanism, and mechanical defects such as clutch or transmission damage; damage during use that has not been declared, for example commuting under an enthusiast arrangement; and damage or theft while the car was kept somewhere other than the storage declared, where that storage is included as a condition in the policy.
What does your premium depend on?
Mileage band. A low band is realistic on a second car and brings the rate down noticeably.
Second-car arrangement. If you already drive a car with accrued discount, part of it can be carried over.
Coupé or Roadster. An open version carries a higher risk of vandalism and break-in damage to the hood fabric.
Storage and the winter period. A locked garage and a period in storage produce more favourable conditions.
Age of the car. On older examples an enthusiast or youngtimer arrangement with a valuation comes into view.
Choice of repairer. Free choice of a marque specialist costs premium, but suits the mixed body construction better.
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.
Often you can. Insurers offer a second-car arrangement under which the discount on your first car partly counts, provided both cars are at the same address and in the same name. A low mileage band helps as well. The condition is that the declaration is correct: if you do drive it every day after all, the risk differs from the one accepted.
Is damage to the Roadster's hood insured?
Vandalism, cuts and damage from an attempted break-in fall under third-party, fire and theft. Wear to the fabric, discolouration, leaking seams and a jamming mechanism are not a sudden event and remain outside the cover. Have the mechanism checked periodically and never fold the hood away wet; that prevents most of this damage.
What happens if I suspend the TT's registration for the winter?
When the registration is suspended the statutory insurance requirement lapses and you may no longer use the road. Own-damage cover for fire, theft and damage in storage can continue, but only if that has been expressly agreed. Report it to your insurer in advance and reactivate it before you take the first drive in the spring.
Does an older TT qualify for a classic car policy?
For the earliest examples a youngtimer or enthusiast arrangement can apply. It does come with conditions: a maximum number of kilometres a year, a second car for everyday use, locked storage and usually a valuation report. If you do not meet those, a standard policy with a low mileage band is usually the better choice.
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.
