Third-party liability
- Required by law
- As long as the registration is in your name
- Suspend the registration when not in use
Car insurance for the Ferrari
With a Ferrari the hardest question is not the value but the use: as soon as the car goes onto a circuit or takes part in a timed run, own-damage cover falls away.
- 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
This make is, more than any other, actually used for what it was built for. Track days, instruction days, club events and touring runs come with ownership. Practically every Dutch car policy excludes taking part in competitions, speed trials and driving on a circuit, even where it is a private instruction day with no classification. Anyone wanting to do that needs separate track day cover. Without it you pay for damage to your own car yourself.
The technology plays a part as well. Carbon-ceramic brake discs, a dry sump system and an automated transmission are not parts that any workshop will replace. Wear to those parts does not fall under the cover. Only damage from an external event does. That distinction is the one most often disputed in claims files on these cars, and it is the reason always to have the cause established by an assessor.
For establishing the value there is an a valuation under Article 7:960 of the Dutch Civil Code. On older examples the documented history counts towards that value: the service book, the originality of the engine and transmission and any certification. Keep those papers away from the car, because in a theft or fire you would otherwise lose both the object and the proof of what it was worth in one go. See also our page on classic car insurance.
Independent, personal, sorted quickly
We compare your car insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Car insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
What does Ferrari car insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Causes beyond your control.
- Fire and storm
- Theft
- Windscreen damage
Comprehensive
Including damage you cause yourself.
- Own fault
- Vandalism
- Replacement-as-new period
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to the other party | Yes | Yes | Yes |
| Theft | No | Yes | Yes |
| Fire and storm | No | Yes | Yes |
| Damage you cause yourself | No | No | Yes |
| Wear and mechanical defects | No | No | No |
| Driving without a valid licence | No | No | 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?
- Engine configuration and power. A mid-mounted eight-cylinder is weighted differently from a twelve-cylinder in the nose.
- Use on circuits or at events. Anyone doing track days needs separate cover. The standard rate assumes public roads only.
- Agreed value and history. The recorded value and the evidence for it form the basis on which the own-damage premium is calculated.
- Seasonal use and annual mileage. Driving between spring and autumn with a limited mileage allowance is weighted differently from year-round use.
- Storage and security. A locked and secured place of storage is often a condition of acceptance with this make and not merely a discount.
- Circle of drivers and experience. Age, driving experience with this power and the number of permitted drivers count towards the assessment.
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.
Circuits and speed trials are excluded
The exclusion goes further than racing. A private track day, an instruction day with a coach and a run over a closed course usually fall under it too, whether or not times are taken. If you drive anyway, you lose not only own-damage cover for your own car, but damage to other users may also fall outside the cover. For such days arrange separate track day insurance and have it recorded in writing.
A touring run with a regularity trial is a borderline case
Classic touring runs and rallies on the public road are usually covered, as long as no speed is measured. As soon as a classification with times is attached, it moves into the category of a speed trial and therefore into the exclusion. Ask the organisers on what basis the run is held and put that to the insurer before you set off. This is one of the few points on which insurers will give a ruling in advance.
Wear to brakes and clutch is not damage
Carbon-ceramic discs and an automated clutch are expensive, but they are wearing parts. Replacing them is maintenance, even where the costs approach those of a claim. Only where a disc breaks or the transmission is damaged by a collision, fire or falling material does an insured event arise. A mechanical defect and its consequences remain excluded, even where there was nothing wrong with your driving style.
Documentation also determines the payout
On older examples the value is carried by provenance and originality. If the service history or the confirmation of original components is missing, the valuation works out lower and that is precisely what is argued about on a total loss. Have the report set out the specification, the main options and the condition, and revalue within the agreed period. If anything about the car changes, that must be reported under Article 7:928 of the Dutch Civil Code.
Frequently asked questions
This is what people ask us most.
I am doing an instruction day on a circuit, not a competition. Am I covered then?
As a rule no. Most policies exclude driving on a circuit as such, regardless of whether times are taken or there is a classification. A private instruction day falls under it too. For such days there is separate track day cover taken out for each event. Always ask for written confirmation before the day itself, not afterwards.
And a classic touring run on the public road?
That is usually covered, provided it does not include a timed speed or regularity trial. The distinction insurers make is not the name of the event but whether the running is against the clock. Ask the organisers for the regulations and put them forward. That way you know in advance whether own-damage cover stands that day.
Are my carbon-ceramic brakes insured?
Only against damage from an external event, such as a collision or fire. Normal wear and replacement at the end of their life are maintenance and fall outside the cover, even where the costs are high. The same applies to the clutch. If the cause is in doubt, have an assessor look at it before any parts are removed.
How often do I need a new valuation?
A valuation report under Article 7:960 of the Dutch Civil Code has a period of validity recorded in the policy. If that period expires, you fall back on market value and lose precisely the certainty for which you had the report drawn up. Put the end date in your diary and have a fresh valuation done after a major restoration, an engine rebuild or a change in specification.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
- Car insurance for a Rolls-RoyceValuation, specialist, security
- Car insurance for the LamborghiniValuation, specialist, security
- Car insurance for an Aston MartinValuation, specialist, security
- Car insurance for a MaseratiValuation, specialist, security
- Car insurance for the Audi R8Power, rating group, circle of drivers
- Car insurance for a LotusPower, rating group, track use
- Car insurance for a BugattiPower, rating group, track use
- Car insurance for AlpinaPower, rating group, track use
Read more
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. Last updated on .
The information on this page is general in nature and is not personal advice.