Chubb · compared independently · advice from Finass
Exclusive car insurance through Chubb
If your car is also driven outside the Netherlands, the territorial scope is the decisive question. That is the first point on which we assess this product.
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
The third-party liability cover of a car with a Dutch registration is governed by Article 2 of the Dutch Motor Insurance Liability Act (WAM) and follows you to the countries listed on your certificate of insurance. What changes as soon as you cross the border is not the cover but the law that determines the compensation. An accident in France or Italy is settled under the law of that country, with its own standard amounts for injury and its own limitation periods.
We therefore assess this product from the point of view of use across the border: a second home abroad, a car that stands elsewhere for months on end, or journeys outside the European Union. It is then about the list of countries, about the maximum continuous period outside the Netherlands and about what happens if the car is stranded on the way and has to be brought back.
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
Third-party liability insurance is compulsory by law and covers damage you cause to others with your car, not damage to your own car.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover, including for damage to your own car, theft and total loss. We compare Chubb's comprehensive variant with the market.
Hail damage
Damage through your own fault
Vandalism
Unknown party at fault
What is covered
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Provided it is declared
One point of contact for claims
Yes
Provided it is declared
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
What we do
What we do
At Finass
Direct with Chubb
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether Chubb is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The territorial scope is on paper, not in your head
Your certificate of insurance states the countries for which the cover applies. Countries not listed there or crossed out fall outside it. If you drive there anyway, you are uninsured for liability there. Outside the area where the registration document is enough, a green card or local frontier insurance is needed. Check the list before you leave, because it is amended periodically and differs per insurer.
Liability is settled under foreign law
If you cause injury abroad, the law of the country of the accident determines which heads of loss are compensated and how high they are. Damages for pain and suffering, loss of earning capacity and the circle of relatives who can claim differ considerably. The statutory minimum amounts are not the same everywhere. So look at what sum insured your policy applies abroad and whether it gives room above the local minimum.
If the car is stranded abroad
After a collision far from home a second process begins: recovery, storage, a loss adjuster on the spot and the question whether the repair is carried out there or in the Netherlands. Repatriation of the vehicle, storage costs and bringing back luggage and passengers are not automatically part of the own-damage cover. Often they sit in a separate assistance section or in the breakdown module. Check which of those items are insured and up to what limit.
What falls outside the cover
Driving in a country outside the territorial scope is not covered. Circuit runs, training days and speed events are excluded, even where the circuit is offered as a tourist route. Damage while the car is being transported by boat, train or transporter falls under transport cover and not under own-damage cover. Hire and paid passenger transport are excluded, as is damage through intent or wilful recklessness under Article 7:952 of the Dutch Civil Code.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
The territorial scope chosen. Europe only or also beyond; wider country lists cost more.
Share of kilometres driven abroad. How much of your annual mileage is driven outside the Netherlands and in which countries.
Sum insured for liability. A higher sum is relevant as soon as you drive in countries with more generous injury awards.
Value and repairability of the car. Repairs outside the Netherlands and parts that have to come from the factory push up the claims burden.
Address where it is kept at home and abroad. A second permanent base changes the theft and weather risk and must have been declared.
Assistance and repatriation. Insuring recovery, storage and returning the vehicle counts separately.
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.
Not automatically. Your certificate of insurance names the countries for which the cover applies; countries not listed or crossed out fall outside it. Within the area where the Dutch registration serves as proof, you need nothing extra. Outside that, a green card or frontier insurance is required. Go through the list before you leave, even if you drove the same route last year.
May my car stay abroad for a longer period?
Policies apply a maximum continuous period outside the Netherlands for this. If the car stays longer in a fixed place abroad, that is a change in risk you have to report. In some cases a local policy is needed. If you do not report it and something goes wrong there, the insurer can rely on the changed risk. Ask about this before the car leaves.
Who arranges bringing my car back after a claim?
That usually runs through the emergency centre attached to your policy, provided assistance and repatriation are insured. They arrange recovery, storage and transport and instruct a loss adjuster. If you call a recovery firm yourself without consultation, payment of those costs is not guaranteed. Keep the emergency centre's telephone number separately, so not only in the car itself.
Do my no-claims years still count after a claim abroad?
An at-fault claim works through into your no-claims step in the same way as a claim in the Netherlands. The place of the accident makes no difference. Settlement does take longer, because foreign law and sometimes a local claims handler are involved. As long as the file is open, the claim is provisionally recorded against you. Ask for an updated no-claims statement once it is closed.
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.
