De Vereende · compared independently · advice from Finass
Unusual vehicle insurance via Vereende
Some vehicles fit no standard table: a trike, a quad bike, a converted fire engine, a mobile shop or a vehicle that after modification no longer resembles its type approval.
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
A regular motor insurer calculates using the year of construction, the list price and a rating group. If your vehicle falls outside that, no premium comes out of the system and a refusal follows without any assessment of the substance. This insurance exists precisely for that category: vehicles assessed by hand, one by one, on the basis of what the thing is and what it is used for.
The insurance obligation is not optional. Under Article 2 of the Dutch Motor Insurance Liability Act (WAM) every motor vehicle registered in a name must be insured, even if it stands idle for months. The RDW (the Dutch vehicle authority) checks that administratively. Only suspending the registration removes that obligation. A vehicle that is not driven but is registered in your name therefore leads to a fine if it has no policy.
What is not included: wear and tear and mechanical failure, damage during work with a mounted implement, hiring out and paid passenger transport, taking part in competitions and damage to a body or fitting that was never declared. For driving during an organised event, look at event insurance for motor vehicles.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your unusual vehicle insurance. We show what Vereende and other insurers offer within it.
Injury to persons
Property damage to third parties
Employees included
Retroactive cover (prior risk)
Extended cover
On top of that to damage to third parties, employers' and product liability and damage during work at the client's premises.
Employers' liability at the client's premises
Product liability
Agency workers, interns & volunteers
Care, custody and control (property in your care)
Complete package
The most complete cover. We compare the extended version from Vereende with the market.
Environmental impairment (unforeseen, limited)
Retroactive cover (prior risk)
Higher sums insured
What we do
What we do
At Finass
Direct with De Vereende
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 Vereende 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 insurance obligation continues while the vehicle stands idle
As long as the registration is in your name, the obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM)applies, even where the vehicle spends the whole winter in a shed. If you want to be rid of that obligation temporarily, you suspend the registration with the RDW. The vehicle may then not be on the public road, nor stand in a publicly accessible car park. Fire and theft cover during storage is arranged separately.
Valuation: market value says little here
With a vehicle that has been converted, modified or is barely comparable to anything on the market, market value after a total loss produces a discussion you rarely win. So work with a valuation report from a recognised expert, drawn up before the start date. Such a report has a limited period of validity and must be renewed periodically; if it expires, you fall back on market value.
Who may drive and what the vehicle is used for
With these vehicles, acceptance turns largely on the circle of drivers and the purpose of use. A fixed, named driver is assessed differently from varying use by members of a club. Hiring out, paid passenger transport, giving lessons and demonstrations for a fee fall outside cover under most policies. If the use differs from what you declared, that is a change of risk you must report.
The fitting nobody can find in the application
A tank system, a refrigeration unit, a crane, a raised roof, a sales counter or a complete camper conversion is fitted afterwards and only counts if you declare it. If that is missing from the application, the insurer reimburses the bare vehicle after a loss. Provide full details of the modification; an incorrect declaration falls under Article 7:928 of the Dutch Civil Code and can, under Article 7:930 of the Dutch Civil Code lead to refusal.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Type of vehicle and construction. A trike, a quad bike, a historic goods vehicle and a mobile shop each have their own claims profile.
Agreed value. The value established in the expert's report is the basis for calculating own-damage cover.
Purpose of use. Driving as a hobby, taking part in parades or business use lead to different assessments.
Circle of drivers and age. A fixed, declared driver is easier to assess than a changing group of users.
Storage and security. A locked shed with an alarm is weighed differently from a vehicle left on the street overnight.
Cover and excess chosen. The choice between third-party liability, third-party, fire and theft, and comprehensive, and the level of the excess, feed straight through.
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.
My vehicle is unique. How is the value determined?
By a valuation from a recognised expert, drawn up before the policy starts. That report establishes the value, including modifications and fittings, and prevents discussion after a total loss. A valuation is valid for a limited period and must then be renewed. Without a valid report you fall back on market value, and with unusual vehicles that is almost always lower than expected.
Can I suspend the registration if I am not driving?
Yes. Suspension with the RDW temporarily lifts the insurance obligation and the road tax. The condition is that the vehicle is not on or driven on the public road, including a public car park. If you want to protect the vehicle against fire or theft during that period, separate storage cover is needed for that. It does not continue automatically.
May I take this vehicle to a show or a rally?
Simply driving to and from an event is generally covered. As soon as you take part in an organised run, a demonstration or a skill trial, most policies fall away, because competitions and speed trials are excluded. Temporary event cover is needed for that kind of participation. Arrange it in advance, because afterwards nothing can be put right.
Why did my previous insurer refuse the application?
Usually not because of you personally, but because the vehicle does not fit the rating structure. A modified chassis, a missing list price or a vehicle type the system does not recognise leads to an automatic refusal. With a manual assessment, the construction, the use and the storage are considered, and that often does produce an acceptance.
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.
