The Topolino also comes in an open version with a roll-back roof and doors without locks, and that changes the requirements an insurer sets for storage.
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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
On a vehicle that cannot be fully locked, the whole theft and weather risk shifts to the place where it stands. A cabin without locks means that a theft from the vehicle leaves no signs of forced entry, and under most policies those signs are precisely the condition for payment. So leave nothing behind and assume that loose items are covered nowhere.
On this version, the storage question on the application form is no formality. If you state a locked garage while the vehicle stands in the street overnight, that departs from your duty of disclosure under Article 7:928 of the Dutch Civil Code and the insurer may reduce or refuse payment after a theft under Article 7:930 of the Dutch Civil Code. The difference in premium is smaller than what that costs after a loss.
The structure of the cover in three parts, with an overview per situation below.
Compulsory
Third-party liability
Damage you cause to others.
Required by law
As long as the registration is in your name
Suspend the registration when not in use
Third-party liability plus
Third-party, fire and theft
Causes beyond your control.
Fire and storm
Theft
Windscreen damage
Comprehensive cover
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
No lock means no signs of forced entry
Own-damage cover generally pays for theft from a vehicle only where forced entry can be shown. On an open version with a roll-back cover or doors without locks, that forced entry cannot by definition be shown. A bag, a phone holder or a coat that disappears from the cabin therefore falls outside the cover. Treat the vehicle as an open space: take everything with you and store loose accessories indoors.
Rain, hail and the roll-back cover
Storm and hail damage comes under third party, fire and theft, but water running in because the roof was open is assessed as negligence and not as an unforeseen event. On an open version that distinction is sharp. Close the roof even for short stops, and have damp damage to the trim and electronics established straight away; mould and corrosion damage that develops gradually is insured nowhere.
Seasonal use, standing idle and suspending the registration
If the vehicle stands unused over the winter season, the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) continues for as long as the registration is in your name. You can have the registration suspended; you may then not use the public road. Bear in mind that fire and theft cover does not automatically continue while the vehicle is idle. Deep discharge of the battery through standing for months is also wear and is not insured.
What is not covered
Outside the cover are: items left behind in the open cabin; water damage because the roof or the sides were not closed; damage to the roll-back cover through wear, UV radiation or ageing; theft where the storage stated does not match reality; loss of capacity or deep discharge of the battery; and hiring out or shared use that is not on the policy.
What does your premium depend on?
Storage location — A locked garage, a private drive or the public road make the biggest difference in premium on a vehicle that cannot be locked.
Version and value — The open version with a roll-back cover is assessed differently from a closed one.
Period of use and annual mileage — Seasonal use only produces a different risk from daily commuting.
Age of the regular driver — The age and claims record of the person who drives most often weigh heavily.
Type of cover — Third party, fire and theft covers storm and hail; vandalism to an open vehicle calls for comprehensive cover.
Excess — The amount you bear yourself per event brings the own-damage premium down or up.
Insurers weigh these details differently. That is why comparing pays off.
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.
No. Loose items fall outside the vehicle cover, and on a version without lockable doors the signs of forced entry that insurers require are also missing. Home contents or travel insurance generally does not pay for theft from an unlocked space either. The practical conclusion is simple: leave nothing in the vehicle, not even briefly.
What if it rains while the roof is open?
That is damage you could have prevented. An insurer assesses it as negligence and not as a sudden, unforeseen event. Hail and storm damage to a closed vehicle, by contrast, does come under third party, fire and theft. So close the roof even for short stops and report water damage straight away, before damp works through into the trim and electronics.
Can I stop the insurance during the winter?
For as long as the registration is in your name, the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies. If you do not want to pay a premium over the winter, you suspend the registration with the RDW and take the vehicle off the road. Note that fire and theft cover does not automatically continue during a suspension; ask your adviser which version your insurer offers for this.
Do I have to state where the vehicle is actually kept?
Yes, on this vehicle that is the most important question on the form. If you state a locked storage room while the vehicle stands in the street, the insurer may reduce or refuse payment after a theft or act of vandalism under Article 7:930 of the Dutch Civil Code. If your storage arrangements change during the term, report it to your adviser straight away.
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.
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