Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Compare convertible insurance & save straight away
On a convertible the insurance turns on a component other cars do not have: a roof of fabric or a folding hardtop, with its own claims profile.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
In brief
Convertible insurance is ordinary car insurance, but the roof changes the risk. A soft top can be damaged without tools, can be cut open and offers no resistance to a break-in. An electrically or hydraulically operated roof is also a moving system with motors, sensors and a seal that starts to leak after some years. Third-party liability is compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM), but on this type of car the own-damage question is the most important.
The second feature is the pattern of use. Most convertibles are driven in spring and summer, stand in storage through the winter and are rarely the only car in the household. Limited mileage and locked storage count in underwriting, and sometimes suspending the registration for the winter period is an alternative.
When comparing, look specifically at how the roof coveris described: does it cover only the fabric, or also the mechanism, the rear window and the seal? That is where the difference between policies lies that the premium does not show.
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What does convertible insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability + fire and theft
Alongside third-party liability cover, also protection against theft, break-in, storm and glass damage: precisely the risks that most affect a convertible. For many convertibles the logical choice.
- Fire and storm damage
- Theft and burglary
- Windscreen breakage and glass damage
- Collision with animals
Comprehensive insurance
The most complete cover, including where you are at fault and for damage to the roof caused by you. To be recommended for a new or valuable convertible, on a valued amount if you wish.
- 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 Cabrioverzekering |
|---|---|---|
| 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 convertible insurance 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.
What does your premium depend on?
- Type of roof. A fabric soft top is assessed differently from a folding steel hardtop.
- Overnight storage. A locked garage considerably limits vandalism, slashing and hail damage.
- Seasonal use and mileage. A car driven only in the summer half-year falls into a lower mileage band.
- Second car or only car. If there is an everyday car alongside the convertible, the exposure changes.
- Age and market value of the car. On an older convertible the market value has to be weighed against the cost of replacing the roof.
- Type of cover and excess. Third-party liability, third-party fire and theft or comprehensive, and how the roof cover is described within it.
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.
Burglary without signs of forced entry
On a closed car a break-in shows on a lock or a window. On a soft top the fabric is cut open or the roof simply opened, and then the traces many sets of conditions refer to are missing. Check whether your policy requires visible signs of forced entry and how that is applied to a convertible. Leave nothing in the car: theft of belongings from an open or thinly secured car is rarely paid and does count in your claims record.
The roof mechanism is not an own-damage claim
If the roof stops halfway, a hydraulic cylinder keeps leaking or an end-position sensor develops a fault, that is a mechanical defect and not an external event. Own-damage cover does not contribute to it. The same applies to fabric that discolours, shrinks or starts to leak at the seams: that is wear. Repairs to the system itself mount up because of the specialist work involved, which is a reason to check the roof's history when buying.
Weather, water and leaving the roof open
Hail on a taut fabric roof and storm that damages the roof usually fall under third-party, fire and theft. Rain that comes in because the roof was open does not: that is insufficient care and not a covered event. Water damage to the interior from a blocked drain channel in the roof well, a well-known point on older convertibles, also counts as deferred maintenance. Keep the channels clear and lock the car, including in a car park where you think you have the car in view.
What is not covered
The following, among others, are outside the cover: wear, discolouration and leaks in the fabric; defects in the roof mechanism without a collision or external event; and damage because the roof was open, including theft of belongings left behind. Scratches from a brush car wash, which is a real risk with a soft top, and damage through intent or gross fault under Article 7:952 of the Dutch Civil Code also fall outside it. Report a claim as soon as you reasonably can (Article 7:941 DCC).
Passenger accident insurance (SVI)
Motor passenger insurance (SVI) Pays the injury and material losses of the driver and passengers, whoever is at fault in an accident with your convertible.
Agency workers, interns & volunteers, traffic
Agency workers, interns & volunteers in traffic Legal help after a collision or in a dispute about damage or the purchase of your convertible, so that you are not on your own.
Frequently asked questions
This is what people ask us most.
Is damage to the soft top roof insured?
With a covered event it is: slashing during a break-in, vandalism, storm or hail usually fall under third-party, fire and theft or comprehensive. With third-party liability only there is no cover for the roof. Wear, discolouration and leaks at the seams fall outside it in every form. So have the description of the roof cover compared literally and not just the premium.
What if my convertible stands idle in winter?
That can be favourable. Declare the limited use and how it is stored; many insurers work with mileage bands. If you put the car away for a longer period, suspending the registration is an alternative: the insurance obligation under the WAM then lapses, but so does your cover against fire and theft. Discuss first what limited cover is sensible during storage.
May I take a soft top through a car wash?
In insurance terms it is not prohibited, but the damage it causes is usually not covered. Scratches, seams pulled loose and a rear window damaged by brushes do not count as an external event but as a consequence of the treatment you chose. Choose a brushless car wash or wash by hand, and check the seal around the windscreen afterwards.
I have a detachable hardtop. Is it insured?
As long as the hardtop is on the car it belongs to the vehicle. If it is in the garage or in storage, it is separate from the car and does not fall under the car policy. Theft or damage during storage may fall under home contents insurance, but only if the place of storage and the value are known there.
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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.