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.
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
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.
The structure of the cover in three parts, with an overview per situation below.
The basis of value
A valuation per car
Every car with its own agreed value.
Classic cars rise in value
Valid for three to five years
No market value
By use
Combined mileage
You pay according to how much is actually driven.
Total for the collection
Not per car
Limited use pays off
Acceptance
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
A valuation per car
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.
Combined mileage
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.
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.
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.
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.
