Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to objects
Compare car insurance
Two things decide almost everything about car insurance: your no-claims years and the market value of the car. The first sets what you pay, the second whether own-damage cover still pays off.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM license 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
The calculator and the quote form below are in Dutch. Prefer to do this in English? E-mail 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
- 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
Car insurance is compulsory under the Dutch Engine Insurance Liability Act (WAM) from the moment a car is registered in your name, even if you never drive it. That obligation only lapses if you suspend the registration with the RDW (the Dutch vehicle authority). The Act defines a Engine vehicle broadly: anything moved across the ground other than along rails by a mechanical force on or in the vehicle itself.
You can choose from Third-party liability (damage to others), Third-party liability + fire and theft (theft, fire, storm, glass and collisions with animals as well) and comprehensive cover (damage through your own fault as well).
Your premium depends heavily on your no-claims years. You build these up for each year without an at-fault claim, and you usually lose five at once when a claim is paid. They are registered in Roy-data, the central system of the insurers, and therefore transfer automatically to a new insurer. With most insurers, glass damage does not count.
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What does car insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability + fire and theft
Also, damage to your own car from external causes.
- Theft and burglary
- Fire, storm and hail
- Windscreen damage and windscreen replacement
- Collision with animals
Comprehensive
Including damage to your own car through your own fault.
- Own fault and single-vehicle accident
- Vandalism
- Unknown party at fault
- Total loss
What is covered
| Situation | Third-party liability | Third-party liability + fire and theft | Comprehensive |
|---|---|---|---|
| Damage to another car | Yes | Yes | Yes |
| Theft of your car | No | Yes | Yes |
| Windscreen damage or stone chips | No | Yes | Yes |
| Storm, hail and fire damage | No | Yes | Yes |
| Driving into a bollard yourself | No | No | Yes |
| Wear, deferred maintenance and intent | 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.
What does your premium depend on?
- No-claims years: the most decisive factor
- Make, model and list price
- Cover and excess chosen
- Annual mileage
- Age of the regular driver
- Zip code area: theft and collision statistics
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.
Claim or pay yourself: work it out
With an at-fault claim you usually lose five no-claims years and your premium rises for years, because you then climb back up step by step. For a small claim, paying yourself can therefore be cheaper than claiming. Always ask for a damage assessment before you finalise a claim; most insurers give you that room.
Declare the regular driver correctly
Registering the car in a parent's name while the child does most of the driving saves premium, but it creates two problems. The younger driver builds up no no-claims years, and after a claim the insurer can reduce or refuse payment because of an incorrect declaration. The greater the gap with the real situation, the more heavily this counts.
When own-damage cover stops paying off
A useful rule of thumb: once three years of own-damage premium comes close to the market value of the car. For a new car that point is still a long way off, certainly with a replacement-value-as-new or purchase-value arrangement that pays out the original value for the first few years. With such an arrangement, check the term and the conditions; they differ considerably from insurer to insurer.
The limitation period runs faster than you think
A claim against your insurer becomes time-barred after three years under Article 7:942 of the Dutch Civil Code. In a liability matter that period starts to run as soon as you are held liable, not on the day of the accident. With liability insurance, the limitation period is interrupted by any negotiation between the insurer and the injured party. That interruption lasts until the insurer acknowledges the claim or unequivocally breaks off the negotiations.
Reviewed by the advisory team of Finass Verzekert · LinkedIn
Finass Advies B.V. · AFM license 12016589 · Chamber of Commerce 37131781
AFM licence for: Adviseren en bemiddelen in Damage insurance particulier, Adviseren en bemiddelen in Damage insurance zakelijk
Last reviewed on
This page was written and reviewed by advisers of a firm licensed by the AFM (Wft). Advice and policies are always handled by an adviser, never automatically.
Frequently asked questions
This is what people ask us most.
Where are my no-claims years registered?
In Roy-data, the central registration system of the Dutch insurers. If you switch, your new insurer collects your years from there. You need do nothing yourself. Do check that the number matches what you expect.
How many years do I lose after a claim?
With an at-fault claim, usually five. For damage someone else is liable for, you lose none. With most insurers, glass damage does not count towards the bonus-malus.
May the car be registered in my parents' name?
That is allowed, but the regular driver must be declared correctly. If someone other than the person declared drives the car regularly, the insurer can reduce or refuse payment, and the actual driver builds up no no-claims years either.
When is comprehensive cover still worthwhile?
For a new car, with finance or a Lease, and when you could not absorb a total loss financially. Rule of thumb: if three years of own-damage premium comes close to the market value, it no longer pays off.
Do I have to insure the car if it is not being driven?
Yes. The insurance obligation under the WAM applies as soon as the registration is in your name, whether or not you drive. Only a suspension of the registration with the RDW lifts that obligation, and you may then not use the road.
Do I need a green card?
Within the EU you are not required to carry one, but in a number of countries outside the EU you are. We arrange it free of charge.
Every situation is different. For these situations we have a separate page.
- Insuring a convertibleRoof, theft risk, storage
- Insuring a hybrid carHybrid, battery, repair costs
- Insuring a pick-upCommercial registration, load bed, Private or business
- Car insurance for a young driverNo no-claims years, high premium, options
- Car insurance for Expats in the NetherlandsBSN, no-claims years, driving licence
- Insuring young drivers
- Insuring a car without no-claims yearsStarting position, building up, alternatives
- Insuring a second carNo-claims years, second-car arrangement, regular driver
- Car insurance for young driversStarting position, regular driver, excess
Insurers we compare
- Ansvar Idea
- Ansvar
- Allianz
- Assicuro
- Avéro Achmea
- Bovemij
- The Gouda
- Dealer Service
- Cloverleaf
- MS Amlin
- Nationale-Nederlanden
- Nh1816
- Rhion
- Turien & Co
- Uniguarantee
A selection. Which insurers appear in your comparison depends on your situation and the cover you choose.
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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.