The claims process for car damage
The process is fixed. Where you have influence is at the start: what you record and how quickly you report it.
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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
Step one: recording the facts
Complete the European Accident Statement together and both sign it. You are signing for the factual circumstances, not for fault.
Make photos of both vehicles, the position on the road, the traffic signs and the road surface, and take the details of any witnesses.
Step two: reporting
Report it to your insurer or to us, even if you think the other party is at fault. Article 7:941 DCC requires you to report as soon as reasonably possible.
Reporting late can prejudice the insurer's position on recovery and affect your payout.
Step three: assessment
For larger claims, a loss adjuster who establishes the extent of the damage. If you disagree, you are entitled to a an independent loss adjuster acting for you; those costs are usually reimbursed.
If there is doubt about how the accident happened, further investigation may follow. That lengthens the process.
Step four: repair and settlement
Repairs often go through an approved accident repair centre, which may reduce the excess. You are usually free to choose your own, but different conditions may then apply.
With total loss is paid on the basis of replacement value as new, purchase value or market value, depending on the age of the car and your policy.
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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.
Frequently asked questions
This is what people ask us most.
What do I do immediately after a collision?
Fill in the accident statement form, take photographs, note down witnesses and do not accept liability.
How quickly must I report a claim?
As soon as reasonably possible, under Article 7:941 of the Dutch Civil Code.
What if I disagree with the loss adjuster?
You are entitled to an independent loss adjuster acting for you. Those costs are usually paid.
May I choose my own repairer?
Usually yes, but through an approved repairer the excess is often lower.
What do I get if the car is a total loss?
Replacement value as new, purchase value or market value, depending on the age of the car and the policy.
Do I lose no-claims years?
Yes for an at-fault claim. For a small claim, paying yourself can be cheaper.