Avéro Achmea car insurance
Avéro Achmea works through brokers. What that means for you shows not when you take out the policy but at the moment there is a claim and someone speaks to the insurer on your behalf.
- Several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
Finass acts as broker for several insurers. Avéro Achmea is a company that offers its personal lines insurance through intermediaries. You therefore do not take it out online directly. The choice for this company follows from the conditions that suit your situation, not from a preference in advance. You will find the wider range under Avéro Achmea general insurance.
For a car policy it comes down to three questions. First the basis of value: is there a purchase price or replacement value as new arrangement, and how many months does it run? After that you fall back on market value, with all the consequences in a total loss. Second the choice of own-damage cover between third-party, fire and theft and comprehensive cover. Third the way damage is repaired: through an approved repairer with a reduced excess, or freely chosen with a different payment.
If you already have more with the same company, a package is a realistic option. Buildings, home contents, legal expenses and car on one policy gives a discount and one point of contact for claims. Do make sure you do not take out cover twice: motor legal expenses cover is sometimes already included in the car policy and sometimes in the legal expenses policy, and double insurance produces no double payment under Article 7:960 of the Dutch Civil Code.
This page deals with one situation. The full overview is on Compare car insurance.
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Get coveredWhy 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.
What to look out for
Four points that genuinely determine the comparison between this policy and another.
How long the replacement value as new arrangement runs
The term of a purchase price or replacement value as new arrangement differs per company and per car, and after it ends the market value applies. In the first years in particular that difference is large. Also look at whether the arrangement applies to theft and not only to collisions, and from what percentage of damage the car is treated as a write-off.
What a claim does to your discount
Every at-fault claim paid puts you back down the no-claims scale. A no-claims protector keeps your step in place, but does not always protect you against a premium increase and lapses after a certain number of claims. Also ask whether glass damage, theft and a collision with an animal are recorded as non-fault claims.
The broker in the claims process
On a policy through an intermediary you report a claim to your broker, who passes it on and follows the file. That helps in an argument about market value, the excess or liability towards the other party. Your duty to report remains with you: Article 7:941 of the Dutch Civil Code requires a report as soon as you reasonably know of the loss.
Standard exclusions you cannot negotiate away
Outside every cover remains damage from civil commotion, situations of war and nuclear reactions, damage during seizure or requisition by the authorities, and damage while the driver was not entitled to drive because of a driving ban or a licence that had been withdrawn. Intent and reckless conduct are also excluded under Article 7:952 of the Dutch Civil Code.
What does your premium depend on?
- Vehicle details: list price, weight, year of manufacture and type of fuel
- No-claims years built up: taken from the central register
- Age of the regular driver: the heaviest factor after the claims record
- Place of residence: claims and theft figures per postcode area
- Number of policies in the package: more products usually gives more discount
- Additional sections: passenger and legal expenses cover count separately
Insurers weigh these details differently. That is where your saving is.
What is covered on this car policy
| Situation | Extended | Comprehensive |
|---|---|---|
| A collision with a deer crossing a provincial road | Yes | Yes |
| You scrape along a bollard while parking. Only your own door is damaged | No | Yes |
| The car burns out through a short circuit while it stands on the drive | Yes | Yes |
| Someone hits your parked car and drives off, with no witnesses | No | Yes |
| Damage while your son was driving with a licence that had been withdrawn | No | No |
| The hire car you need in the weeks your car is being repaired | No | No |
Replacement transport and breakdown assistance are separate sections you select on their own.
Frequently asked questions
This is what people ask us most.
Can I take out this insurance direct?
No, this company works through brokers. We request the quotation, set the conditions alongside those of other insurers and handle the application. After that you can still come to us for changes, renewal and claims. That does not mean we recommend this company: which policy fits best only emerges from the comparison.
Do I take my no-claims years with me when I switch?
Yes. No-claims years are recorded centrally and are requested by the new insurer when the old policy ends. The discount can still work out differently, because every company uses its own no-claims scale. The same years therefore do not produce the same percentage everywhere. We take that difference into account when comparing.
What if the other party disputes liability?
The claim is then assessed on the basis of the accident statement form, witness statements and, where applicable, a police report. Recovering your own loss from a liable other party goes through the recovery service or through legal expenses cover. Without own-damage cover and without legal expenses cover you are on your own in such an argument, even if you are convinced you are right.
Does my premium change if I move?
Probably. The postcode of the address where the car is kept is one of the rating factors. So report a move, even if the premium goes up as a result. The same applies to a change of regular driver or a substantially changed annual mileage. That information forms the basis on which the insurer accepted the risk.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
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