De Goudse car insurance
De Goudse works through brokers and is strongly focused on business owners. For a private car policy that mainly means: watch the line between what you drive privately and what you drive for the business.
- 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
Work out for yourself what it would cost.
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- 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
As brokers we set the range of more than thirty insurers side by side. De Goudse stands out because its range for private customers and for business owners lie close together. If you drive privately in a car you also use for your business, that is a reason to deal with both sides in one conversation.
In insurance terms that line is sharper than it feels in practice. A private car policy assumes private use with commuting where applicable. If you drive to clients every day, carry materials or let an employee drive, that is business use and the car belongs under a business car insurance. If that is not declared, the basis of the premium is wrong and Article 7:930 of the Dutch Civil Code gives the insurer room to reduce the payment.
If you have an enthusiast car alongside the everyday one, look at classic car insurance or at the wider classic vehicle cover. Those policies work with a mileage limit, a storage requirement and a valued amount. That is not only cheaper, it also prevents a loss adjuster having to derive the value of your car after a claim from a market that barely exists.
This page deals with one situation. The full overview is on Compare car insurance.
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Get coveredWhy 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.
What to look out for
Four points on which this policy is assessed.
Package or separate policy
If you combine buildings, home contents, legal expenses and car, that gives a discount and one point of contact. Do check whether sections overlap: motor legal expenses cover and a personal accident cover can appear on more than one policy. Paying twice produces no double payment.
Replacement transport and assistance on the road
Breakdown assistance and a replacement car are additional sections and are not automatically included in own-damage cover. Check whether assistance applies to a breakdown at home, or only after an accident, and whether cover abroad is included. Without these sections you have no right to transport in the event of a breakdown, even if you have comprehensive cover.
Accessories and modifications
Audio, navigation, a towbar or a roof box fitted later belong on the policy schedule as a declared accessory. For additions that have not been declared, insurers often apply a limited maximum or no cover. Keep the invoices, because after a claim you are asked for the purchase value and not for what you think it was worth.
What is not included
Outside the cover are luggage and personal belongings in the car, damage to the interior from goods, animals or loads carried, and use for driving lessons or carriage for payment. Hire to third parties is also excluded, as is damage caused intentionally or through reckless driving, as Article 7:952 of the Dutch Civil Code provides.
What does your premium depend on?
- Purpose of use: private, commuting or business journeys as well
- List price and power output: decisive for the own-damage premium
- No-claims years: translated into a step on the discount scale
- Age of the regular driver: experience counts heavily in the rate
- Number of products in the package: combining lowers the total
- Mileage band: a second car with few kilometres is considerably cheaper
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| You damage your neighbour's car while parking | Yes | Yes |
| A deer crossing the road runs into your car and the front is dented | No | Yes |
| Your car stands at the supermarket all afternoon and afterwards turns out to be scratched down the side | No | Yes |
| A hailstorm dents the roof while the car stands on the drive | No | Yes |
| You are injured yourself after driving into a tree on a bend | No | No |
| The clutch fails after years of driving and has to be replaced | No | No |
Third-party liability pays only the other party's loss; everything that happens to your own car depends on the type of own-damage cover chosen.
Frequently asked questions
This is what people ask us most.
May I make business journeys on a private policy?
Occasionally, usually yes; regularly, no. As soon as you are on the road for work regularly, carry materials or let an employee drive, the risk changes and that should be on the policy. Discuss it in advance; adjusting the description of use takes little effort, whereas an argument after an accident about why you were driving somewhere produces a great deal of trouble.
What is the advantage of a valuation on a classic?
A valuation report fixes the value before anything happens, so that the insurer takes that amount as the starting point in a total loss. Without a report the market value is estimated afterwards, and on older cars estimates vary widely. Watch the period of validity of the report. If it expires, you fall back on market value after all.
Who may drive my car?
As a rule anyone with a valid licence who has your permission, unless the policy has a restricted range of drivers or an age clause. If the car is driven regularly by someone else, that person should be declared as the regular driver. With a young driver a higher excess often applies, even if they only drive occasionally.
What if something is stolen from my car?
The break-in damage to the car falls under own-damage cover, but the stolen items do not. Laptops, phones, tools and luggage belong on a home contents, travel or business policy, with their own conditions on where and when theft is covered. Do not leave valuables in the car; belongings left in sight lead to argument on other policies too.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
- Choosing the right car insuranceThe car, the use, the drivers
- Using and insuring a private car for businessDeclared use, employer's risk, motor vehicle exclusion
- Car insurance through a.s.r.Accessories, total loss, modifications
- Insuring your carThird party, own damage, additional cover
- What is covered by car insurance?Insured persons, insured property, territorial limits
- Putting together affordable car insuranceForm of cover, excess, duplicate cover