Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Fully comprehensive or all risks
Full own-damage cover and comprehensive cover are two names for the same form of cover. The difference between policies lies in the depreciation, the excess and the exclusions, not in the word on the policy schedule.
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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 activities
- 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
Every own-damage cover is built up of three layers. third-party liability is compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM) and pays for damage you cause to other people with the vehicle. Third-party, fire and theft adds a list of events you do not cause yourself: fire, theft, broken glass, storm, collision with wild animals. Fully comprehensive or all risks adds to that the damage to your own vehicle caused by you, plus vandalism.
Because the cover is built up the same way at virtually every insurer, the distinction lies elsewhere: in the depreciation scheme. One policy pays the replacement value as new or the purchase price for the first few years, another depreciates to market value from the first month. In a total loss or theft that is the amount that matters, while the difference in premium between those policies can be small.
The choice between forms of cover is a calculation about the residual value of your vehicle and not about your driving style. As soon as the market value falls below the amount you could do without if you were uninsured, third-party, fire and theft or third-party liability alone is defensible. For vehicles used for business, such as a motorbike for business use, it also counts that standing still after a claim costs turnover immediately.
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What does full own-damage or comprehensive cover include?
The structure of the cover in three parts, with an overview per situation below.
Assets and continuity
Business contents, goods and lost turnover during downtime.
- Business contents at replacement value as new
- Goods at cost price
- Business interruption or additional costs
Staff
Sickness absence, accidents and the traffic risk.
- Continued pay for 104 weeks
- Group personal accident
- WEGAS for traffic risks
What is covered
| Situation | AVB | BAV | Cyber |
|---|---|---|---|
| Injury to a visitor or customer | Yes | No | No |
| Damage to a client's property | Sometimes | No | No |
| Financial loss caused by an advisory or calculation error | No | Yes | No |
| Downtime after a ransomware attack | No | No | Yes |
| Data breach involving personal data | No | Sometimes | Yes |
| Damage to property in your care | 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?
- Value and type of vehicle. List price, weight and the repair cost of the bodywork and assistance systems used.
- Type of cover chosen. Third-party liability, third-party liability plus third-party fire and theft, or full own-damage cover. The difference lies mainly in the own-damage layer.
- No-claims years. Your position on the bonus-malus scale and whether earlier claims have been bought off.
- Excess. A higher excess on the own-damage section keeps the premium down, even where the third-party liability cover stays the same.
- Use and mileage. Private, commuting or business use and the number of kilometres a year.
- Security and storage. Alarm class, immobiliser and whether the vehicle is kept indoors or in the street.
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.
The depreciation scale determines the payment
Compare policies on three points: how long the replacement value as new or purchase price arrangement applies, what happens after that, and whether depreciation is per month or per year. An arrangement that moves to market value after the first year gives a substantially different outcome in a total loss from one that runs for three years. Ask about this before you choose on premium, because changing it afterwards is usually only possible at renewal.
Your own fault is covered, intent and recklessness are not
Comprehensive cover pays for the damage you cause yourself: a pillar in a car park, a misjudgement while parking. The limit lies in Article 7:952 of the Dutch Civil Code, which excludes damage caused by intent or recklessness. That also covers driving under the influence, driving without a valid licence and taking part in speed or handling events. Those situations moreover affect both the own-damage cover and the insurer's right of recovery for damage to third parties.
Wear and defects fall outside every own-damage cover
Own-damage insurance covers sudden and unforeseen damage from outside. A worn clutch, an engine burnt out through deferred maintenance, rust or paint damage through ageing are not included, not even under the widest comprehensive policy. The same goes for damage caused by misfuelling and for consequential damage to the drivetrain after driving on with a warning light showing. That is a matter of warranty or maintenance, not insurance.
An own-damage claim can cost you no-claims years
With third-party, fire and theft, the no-claims discount generally stays intact, because these are events you do not cause. With a comprehensive claim for damage you cause yourself, you do step back on the bonus-malus scale, and that step back works through for years. So with small claims, work out what the step back and the excess cost together before you report the claim. Do report the event within the period in Article 7:941 DCC.
Frequently asked questions
This is what people ask us most.
Is fully comprehensive the same as all risks?
Yes. Insurers use both names for the same form of cover: liability, the events from third-party, fire and theft, and on top of that damage to your own vehicle caused by you. Because the name says nothing, you have to compare on the depreciation arrangement, the excess, the treatment of no-claims years and the exclusions. Two policies both called comprehensive can differ considerably on those points.
When should I switch from comprehensive cover to third-party, fire and theft?
At the moment the market value of the vehicle has fallen to an amount you could bear yourself. Take the excess into account as well: that always comes off an own-damage claim. If finance or a lease obligation is still running, the lender may require full own-damage cover, even where the residual value is low.
Does comprehensive cover pay for wear or an engine failure?
No. Every own-damage cover requires a sudden event from outside. Wear, rust, material and construction faults, deferred maintenance and consequential damage after driving on with a warning light are excluded. Misfuelling is also excluded under many policies or covered only through a separate module. For mechanical failures, a warranty or breakdown product is the route to take, not own-damage insurance.
Does every comprehensive claim cost me no-claims years?
Damage falling under third-party, fire and theft, such as broken glass, fire or theft, generally leaves the no-claims years untouched. Damage you cause yourself does affect them: you step back on the bonus-malus scale and that works through into the premium for years. With small claims it pays to set the step back and the excess together against the repair costs before you submit the claim.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
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- Insuring a SkodaSkoda, value over time, security, repair
- Insuring a DaciaDacia, value over time, security, repairs
- Insuring your carThird party, own damage, additional cover
Read more
Within Autoverzekering
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.