A valuation per car
- Classic cars rise in value
- Valid for three to five years
- No market value
Insuring a car collection
With a collection, separate policies mean paying for cover you never use all at once. One collection policy works from how many are actually on the road.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
A collection policy brings several cars together in one contract, with an agreed value for each car and a joint mileage. You pay for use, not for numbers.
The condition is almost always a a locked garage, a limited circle of drivers, and that only some of the cars are on the road at any one time.
Independent, personal, sorted quickly
We compare your classic car insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Classic car insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
Car collection: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Combined mileage
You pay according to how much is actually driven.
- Total for the collection
- Not per car
- Limited use pays off
Storage
With a collection, security weighs heaviest.
- Locked shed
- Alarm and cameras
- Often a condition
What is covered
| Situation | Collection policy | Separate policies |
|---|---|---|
| One policy and one renewal date | Yes | No |
| Payout at the agreed value | Yes | Sometimes |
| Premium based on joint mileage | Yes | No |
| Add a car without a new policy | Yes | No |
| Track use | No | No |
| Undeclared conversion | 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.
What does your premium depend on?
- Total valued amount
- Number of cars
- Storage and security
- Joint annual mileage
- Circle of drivers
- Share of classics and exotics
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.
Why 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.
9.5New policy
9.8Claims handling
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.
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 valuation falls short
Classic cars and unusual models rise in value. Without a valuation you get market value, and that does them no justice.
Storage is decisive
With a collection, the security of the shed weighs more heavily than the owner's claims history.
Where the mileage becomes a problem
You agree a total number of miles for the whole collection rather than per car.
Adding and removing cars without a new policy
If you buy or sell a car, you amend the schedule rather than taking out a new policy. With a collection clause a new acquisition is often covered straight away up to an agreed amount, with notification afterwards. For a growing collection that is the practical advantage separate policies never offer.
Frequently asked questions
This is what people ask us most.
From how many cars is this worthwhile?
In reality from three to five, particularly if they are not all on the road at the same time.
Does every car have to be valued?
For payment at an agreed value, yes. For ordinary everyday cars, market value may be enough.
What if I buy a car?
You add it to the schedule. With a collection clause it is often covered straight away.
Does the storage weigh heavily?
Very. For a collection, a locked and protected shed is almost always a condition of acceptance.
From how many cars is this worthwhile?
In reality from three to five, particularly when they are not all on the road at the same time. You then pay for use rather than per car.
Does every car have to be valued?
For payment at an agreed value, yes. For ordinary everyday cars in the collection, market value may be enough.
Every situation is different. For these situations we have a separate page.
- Compare classic car insuranceThe main page
- Insuring several motorcyclesCollection, one policy, alternating use
- Insuring a classic car portfolioSeveral vehicles, a valuation per object, storage
- Compare classic car insuranceFrom 10 years, limited mileage, enthusiast's car
- Insuring a classic motorcycleValuation, limited use, storage
- Insuring a classic lorry25 years and older, valuation, exemption at 40 years
Read more
Within Oldtimerverzekering
Similar pages
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.