Valuation amount
- Limited series
- Options and conversions
- Usually valid for three years
Compare exclusive car insurance
On a car above a certain value it is no longer about the premium but about what happens after the claim: who repairs it, with which parts, and what you drive in the meantime.
- 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
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
- 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
Exclusive car insurance insures on a agreed value instead of list price or market value. With unusual versions, limited series and cars with options far exceeding the new price, that is the only amount that holds up after a claim.
The second element is repair. Brand-approved repairs with original parts are not a luxury on these cars but a question of value: a repair outside the brand channel reduces the residual value by more than the repair itself costs.
The third is replacement transport. Where a standard policy provides a mid-range car, these policies arrange an equivalent car: and with a lengthy repair that makes the difference between an inconvenience and a problem.
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What does exclusive car insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Brand repairs
Repair at a brand-approved repairer with original parts.
- Preserving residual value
- Carbon and aluminium
- A certified workshop
Replacement transport
An equivalent car instead of a standard hire car.
- An equivalent class
- Also with a long repair time
- Sometimes worldwide
What is covered
| Situation | Covered |
|---|---|
| A collision with payment on the valued amount | Yes |
| Theft from a locked storage place | Sometimes |
| Repair at a brand-approved repairer | Yes |
| Equivalent replacement transport | Sometimes |
| Track use and speed competitions | No |
| Undeclared conversions or tuning | 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?
- Agreed value: the main basis for calculation
- Make, model and power
- Annual mileage: often limited
- Storage and security: tracker, locked garage, alarm
- Age and experience of the driver
- Cover and excess chosen
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.
A valuation records what a table does not know
Options, a limited version, an unusual colour combination or a documented history appear in no value table. A valuation does. Watch the period of validity and have a revaluation carried out when market values rise. On sought-after models the value goes up rather than down.
Declare conversions and tuning with their value
Modifications by a tuner or converter increase the value considerably, but only if they have been declared and valued. Undeclared modifications are also a ground for exclusion: after a claim the insurer can rely on the car not being what the policy stated.
Storage counts for more than no-claims years
In this value class, underwriting is mainly a question of security: a locked garage, a tracker, sometimes an alarm with a monitoring centre. If you drive it little, that brings the premium down sharply. Report changes in storage; the theft cover attaches to the situation declared.
The circuit remains excluded everywhere
Touring days, track days and speed competitions fall outside every ordinary policy, including in this category. Anyone driving on the circuit takes out separate day cover for it. If you do not, not only is the track damage uninsured but the rest of the policy can also be called into question.
Reviewed by the advisory team of Finass Verzekert · LinkedIn
Finass Advies B.V. · AFM licence 12016589 · Chamber of Commerce 37131781
AFM licence for: Adviseren en bemiddelen in schadeverzekeringen particulier, Adviseren en bemiddelen in schadeverzekeringen zakelijk
Last reviewed on
This page was written and reviewed by advisers of a firm licensed by the AFM (Wft). Advice and policies are always handled by an adviser, never automatically.
Frequently asked questions
This is what people ask us most.
Why insure at an agreed value?
Because list price and market value do not do justice to options, limited versions and history. With a valuation the amount is fixed and there is no argument in a total loss.
What are brand-approved repairs?
Repair at a repairer approved by the manufacturer using original parts. On aluminium and carbon bodies that is also technically necessary, and it preserves the residual value.
Do I get an equivalent replacement car?
On these policies usually yes, instead of the standard mid-range car. Check whether that also applies with a lengthy repair and abroad.
Do I have to declare tuning?
Yes, with its value. Undeclared conversion is a ground for exclusion and reduces the payment after a claim to the standard version.
May I take the car on a track?
Not under this policy. Track days and competitions call for separate day cover. Without it the damage is at your own expense.
Does the storage weigh heavily?
Very. In this value class, locked and secured storage counts for more than the number of no-claims years.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
- Compare sports car insurance and save straight away
- Insuring a sports car
- An exclusive car: original parts and agreements on useValuation, market value is not enough, use
- Insuring a sports carHigh list price, valuation, circuit excluded
- Compare second car insurance and save straight away
- Insuring a luxury carBrand repairs, replacement transport, security
- Insuring a Porsche 911Porsche 911, value over time, security, repair
- Car insurance for the Audi R8Power, rating group, circle of drivers
Insurers we compare
A selection. Which insurers appear in your comparison depends on your situation and the cover you choose.
Read more
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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.