Third-party liability
- Required by law
- As long as the registration is in your name
- Suspend the registration when not in use
Citroën C4 car insurance
Many C4s are driven on a lease contract, and then the question is not which policy you choose but what is already included in your monthly payment and what is not.
- 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
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
- 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
If you drive the C4 on a private lease or through a business lease contract, you are not the owner. The leasing company is, and it is usually the policyholder as well. The cover is built into the monthly payment and the conditions are not yours but those of the contract. So when you claim you go first to the leasing company and not to an insurer of your choice.
That has a consequence that only becomes visible after years: on a leased car you often build up no no-claims years in your own name. If you then move to a car registered to you, you start low in the bonus-malus table. Some providers do record the claim-free history. Ask about that in advance and have it confirmed in writing, because a statement is rarely obtainable afterwards.
At the end of the contract comes the return inspection. There a distinction is made between insured damage and damage from use: scratches, small dents and damaged trim that fall within the return conditions are charged to you and not to the insurer. What does and does not count as acceptable is set out in the return protocol accompanying the contract.
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Citroën C4: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Causes beyond your control.
- Fire and storm
- Theft
- Windscreen damage
Comprehensive
Including damage you cause yourself.
- Own fault
- Vandalism
- Replacement-as-new period
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to the other party | Yes | Yes | Yes |
| Theft | No | Yes | Yes |
| Fire and storm | No | Yes | Yes |
| Damage you cause yourself | No | No | Yes |
| Wear and mechanical defects | No | No | No |
| Driving without a valid licence | 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?
- Mileage in the contract. The agreed annual mileage determines both the monthly payment and the settlement afterwards.
- Term of the contract. A longer term lowers the monthly payment but ties you to the chosen cover for longer.
- Version and drivetrain. The C4 comes with a combustion engine and fully electric. Those versions are rated differently.
- Excess in the contract. You bear an amount yourself for each event. The amount is in the lease conditions, not on a policy schedule of your own.
- Age and driving experience of the driver. Providers apply acceptance requirements and sometimes an increased excess for young drivers.
- Additional modules. Occupants' cover, legal expenses cover and a replacement vehicle are only included if you take them 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.
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.
You are the driver, not the policyholder
Under a lease contract the car is registered to the leasing company, which also takes out the policy. So you do not choose the form of cover, the excess or the repairer yourself. When you claim you go to the leasing company, which passes the claim on. If you want to know where you stand, ask for the policy schedule or the description of cover that belongs with the contract; those documents determine your position, not a quote from an insurer.
No-claims years you do not build up
No-claims years accrue to the policyholder. If that is the leasing company, the history does not go into your name and you have nothing to show at the end. For anyone insuring a car of their own after a lease period, that means starting on a low step and a higher premium. When you take out the contract, ask whether the provider issues a claim-free driving statement and on what conditions.
What the contract requires of you when you claim
Alongside the statutory duty to notify in Article 7:941 of the Dutch Civil Code the lease contract sets requirements of its own: notification within a stated period, repair at a designated repairer, always a completed accident statement and sometimes a compulsory police report. If you depart from that by choosing a garage yourself, the costs may remain at your expense. On a total loss or theft the contract usually ends, with a settlement under the contract conditions.
What is not included in the monthly payment
The lease rate covers the car, not everything around it. Usually outside the cover are: damage to the load and personal belongings, fines and administrative charges, damage from use settled at the return inspection, and the excess for each event. Occupants' indemnity insurance and legal expenses cover are far from always included. Carrying people or goods for payment is excluded under practically every contract.
Frequently asked questions
This is what people ask us most.
Do I build up no-claims years with a leased C4?
Usually not. The policy is in the name of the leasing company and the claim-free history is recorded in that name. At the end of the contract you then have nothing to show and you start low in the bonus-malus table. A number of providers do issue a statement. Ask about that when you take out the contract and have the assurance recorded in writing.
Who do I report a claim to with a leased car?
To the leasing company, and within the period stated in the contract. It passes the claim on to the insurer and designates a repairer. Always complete an accident statement and photograph both vehicles. If you choose a garage on your own initiative, you run the risk that the bill will not be paid.
What is damage from use at the return inspection?
Damage that under the return protocol no longer counts as normal signs of use: deep scratches, dents, damaged trim or missing parts. That is charged to you and is not insured damage. Go over the car yourself before the return inspection with the protocol in hand and have small blemishes repaired beforehand if appropriate.
Do I still need to insure anything alongside the lease contract?
Often yes. Occupants' indemnity insurance, legal expenses cover for recovery from another party and cover for belongings in the car are usually not included in the monthly payment. Go through the description of cover with the contract and add what is missing. Your liability as the driver rests with you in all cases.
Every situation is different. For these situations we have a separate page.
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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.