De Goudse · compared independently · advice from Finass
Classic car insurance through De Goudse
With a classic car everything turns on two documents: the valuation report that fixes the value and the declaration of use that says how much you drive it.
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 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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
An ordinary car policy settles claims on market value, and market value falls over the years. On a classic that does not fit: the car has become worth more than it cost new. That is why a classic car policy works with a agreed value valuation. An expert establishes the value and that value binds both parties, as Article 7:960 of the Dutch Civil Code provides, as long as the report is still valid.
There is a restriction on the other side. The low premium for enthusiast vehicles rests on the assumption that you do not drive it every day. Commuting, doing the shopping and business use are excluded in most conditions, and there is often a mileage limit per year plus a requirement that you have another car for everyday use.
We compare De Goudse's classic product with the rest of the market on exactly those points: the period of validity of the valuation, the description of permitted use and the storage requirements. If your vehicle is driven mainly at events, also look at classic car insurance through Hiscox.
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
Third-party liability insurance is compulsory by law and covers damage you cause to others with your car, not damage to your own car.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover, including your own damage, theft and total loss. We compare De Goudse's comprehensive version with the market.
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 De Goudse
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 De Goudse 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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The valuation determines what you get
A report from a recognised valuer fixes the value and prevents argument after a total loss. Under Article 7:960 of the Dutch Civil Code you may not receive more than your actual loss, but a valid valuation made in advance counts as that loss. Watch the period of validity: if the report expires and you have not had a new valuation carried out, you fall back on market value and lose the whole advantage.
Limited use is a policy condition, not advice
The conditions usually state that the vehicle is insured for hobby use. Daily commuting, business use, hire and driving lessons fall outside that. If you exceed the agreed mileage limit or the classic turns out to be your only car, the actual situation differs from the application. That touches the duty of disclosure in Article 7:928 of the Dutch Civil Code and can lead to loss of cover after a claim.
Parts determine whether repair is still possible
Bodywork for a car from the sixties comes from a specialist or from a donor car. Insurers pay for repairs up to the valued amount. If the repair costs more, a write-off follows and you lose the vehicle even though it could technically have been saved. So discuss in advance whether dismantling, storage and keeping the remains can be included in the settlement.
Where it stands counts for more than where it is driven
Most damage to classic cars arises while they stand still: fire in the garage, damp damage, theft of a stored vehicle. Insurers therefore impose requirements on storage, such as a locked garage at the address insured. Almost always excluded are damage from rust and corrosion, defects resulting from wear or deferred maintenance, and damage during restoration work by third parties.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
Agreed value. The value established in the valuation report forms the basis for the own-damage premium.
Agreed mileage. A low annual limit brings the premium down, but exceeding it affects the cover after a claim.
How the vehicle is stored. A locked garage at the home address counts differently from a carport or a public parking space.
Age and driving experience of the driver. Classic car policies often have a minimum age and a requirement for a second, everyday car.
Year of manufacture and originality. An original version is assessed differently from a converted or modified example.
Cover and excess chosen. Third-party, fire and theft for fire, storm and theft is cheaper than comprehensive with collision damage.
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.
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.
The insurer decides that, not the law. Most conditions apply a minimum age for the vehicle combined with a requirement that it is in original or authentically restored condition and is not used daily. A car that is technically old but serves as cheap everyday transport falls outside this scheme and belongs on an ordinary car policy.
Do I have to have it valued?
For own-damage cover, almost always yes. Without a valuation report the insurer works with market value, and on a restored classic that is usually far below what you have put into it. The report has a limited period of validity; have it renewed in good time, certainly after a restoration or after a period in which the market has clearly moved.
May I drive it to work?
Usually not, or only occasionally. The enthusiast premium is based on limited use, and regular commuting falls outside it. If you do drive it daily, declare that in advance. If it emerges after a collision that the use was regularly different from what was declared, the insurer can reduce or refuse payment because of the incorrect declaration.
What happens if repair costs more than the valued amount?
A write-off follows and the valued amount is paid, after which the remains in principle pass to the insurer. For an enthusiast that is rarely the desired outcome. So establish in advance whether you have the right to buy the remains back, and whether dismantling and storage during a lengthy restoration remain covered.
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.
