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 your own premium with the calculator.
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
With a classic van two regimes run into each other. Because of its age the vehicle qualifies for an enthusiast scheme with a limited mileage and a value established in advance. Because of the commercial vehicle registration (grijs kenteken) it formally remains a commercial vehicle, with the rules on use and tax that go with it. Insurers look mainly at the second: is it still being worked with?
If you only drive the van to shows, weddings and club runs, an enthusiast policy with an agreed value goes with that. A valuation report from a recognised valuer fixes the value under Article 7:960 of the Dutch Civil Code, so that on a total loss there is no need to negotiate over the market value of a thirty-year-old van. Without a report the insurer pays market value and your restoration does not count.
If goods are still being carried in it for your business, you belong with the business van insurance and not on a classic car policy. For younger vans that do not yet meet the age threshold, the youngtimer scheme is the alternative.
The structure of the cover in three parts, with an overview per situation below.
Compulsory
Third-party liability
Damage you cause to others.
Required by law
As long as the registration is in your name
Suspend the registration when not in use
Third-party liability plus
Third-party, fire and theft
Causes beyond your control.
Fire and storm
Theft
Windscreen damage
Comprehensive cover
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Have the value assessed before you sign
A restored van is worth more than its market value, but that has to be recorded in advance. A valuation report by a recognised valuer makes the value binding under Article 7:960 of the Dutch Civil Code and prevents the claims handler from working on a total loss from the trade value of a used commercial vehicle. Watch the period of validity of the report; if it expires, you fall back on market value without noticing.
If you still carry a load, the risk changes
A classic van that drives to events empty is a different risk from one that carries tools, market stalls or trading stock. If the policy states hobby use and you are in fact using it for your business, that departs from your declaration for the purposes of Article 7:928 of the Dutch Civil Code. And note: the load itself is never included on the motor policy; that needs separate goods in transit or own goods in transit cover.
Mileage and storage are a condition, not a wish
Enthusiast conditions tie the rate to a maximum annual mileage and to storage in a locked space. Those are not guidelines but policy conditions. If you consistently drive more, or the van stands outside in the street while you declared a shed, the insurer can limit the payment. Report it as well when you keep the van somewhere else temporarily during a restoration; that location counts in the acceptance.
What is not included
Three exclusions come back time after time with classic vans. Wear, rust and mechanical defects are never covered; a classic breaks down because it is old, not because of an event. Damage during demonstration runs, speed tests or competitions falls outside the cover. And damage arising during the restoration itself, for example while welding or spraying in the workshop, belongs with the liability of the firm carrying out the work.
What does your premium depend on?
Agreed value — Not the market value but the valuation amount is the basis of calculation on enthusiast cover.
Year of manufacture and originality — The further from original, the harder it is to judge the value and the supply of parts.
Agreed annual mileage — Enthusiast conditions tie the rate to a maximum number of miles per year.
Nature of use — Hobby use only, promotional use, or still carrying goods for the business.
Type of storage — A locked shed or unit as against parking on the public road.
Type of cover and excess — Third-party only, third-party, fire and theft, or comprehensive cover with a valuation; with classics, third-party, fire and theft is often the starting point.
Insurers weigh these details differently. That is why comparing pays off.
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.
Can I combine a commercial registration with enthusiast cover?
You can, provided the actual use matches the declaration. The registration says something about the tax status of the vehicle, the policy about what you use it for. If you only drive to club events and shows, enthusiast cover fits. If you still carry goods for your business, the van belongs on a business van policy with the conditions that go with it.
What happens if my valuation report has expired?
The binding statement of value falls away and the insurer settles on market value. For a restored van that makes a considerable difference, because the trade value of an old commercial vehicle does no justice to the restored whole. Put the expiry date of the report in your diary and arrange a revaluation in good time, particularly if you have had it resprayed or welded or the interior renewed in the meantime.
Are the tools in the van included?
No. A motor policy covers the vehicle, not what is inside it. Tools, market equipment or trading stock fall under separate business contents or goods cover, often with requirements about storage and about leaving items in the vehicle. Report separately fitted equipment such as racking or a workbench, otherwise it does not count towards the payment after a loss.
May I take the classic van abroad?
Within the territorial limits on your policy, yes. Check those limits before a rally or show abroad and report longer stays in advance. Watch the condition about storage as well: if the van stands in the street for days during the trip, that can affect the theft cover. Breakdown or recovery assistance is a separate module and is not included as standard.
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.
