The works
- Fire, storm and water
- Theft of materials
- Inherent defect and design fault
- Vandalism on the building site
Classic car insurance through Hienfeld
Classic car insurance concerns one historic vehicle: the age, the originality and the valuation report together determine whether you receive, when you claim, the amount the car is really worth.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
With a classic it is not the type of cover that is the difficult point, but the determination of value. An ordinary motor policy works with market value, and on a car forty years old that gets you nowhere. A classic car policy therefore works with an agreed value, established by a recognised valuer and recorded before the loss.
In addition, the state of originality. A car with its original engine, colour and interior is a different matter from the same car with a modern engine, lowered suspension and a non-factory colour. That difference belongs on the policy schedule, not only in the claim report.
If you keep several cars, a car collection insurance is more practical. If you drive a classic in the higher value segment with a lot of event use, also compare the premium classic car insurance.
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Classic car insurance through Hienfeld: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Liability
Damage to property and persons of third parties on and around the works.
- Adjoining premises
- Injury to bystanders
- Cables and pipes
Extensions
What comes into play alongside the works themselves.
- Client's existing property
- Ancillary plant and site huts
- Maintenance period
What is covered
| Situation | Works section | Liability section |
|---|---|---|
| Storm or water damage to the works in progress | Yes | No |
| Theft of materials from the building site | Sometimes | No |
| Damage to an adjoining building | No | Yes |
| Injury to a bystander | No | Yes |
| The client's existing property | Sometimes | Sometimes |
| Repair of your own defective work | 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?
- Agreed value. The amount from the valuation report is the basis for the own-damage premium.
- Year of manufacture and age criterion. Insurers apply a minimum age. More recent youngtimers fall under a different rate.
- Storage location. A locked garage at the house is weighed differently from a rented lock-up or a carport.
- Annual mileage. Classic car policies assume limited use. More kilometres means more premium.
- Type of cover. Third-party liability only, third-party, fire and theft, or comprehensive cover based on the valuation.
- Driver and security. The age and experience of the regular driver and any immobiliser or tracker fitted.
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.
The valuation report is your evidence
A valuation by a recognised expert fixes the value before anything happens. Without that report, a total loss falls back on what the insurer considers reasonable, and that is where the argument starts. Reports age: have the car revalued after a restoration, an engine rebuild or a clear movement in the market. Under Article 7:960 of the Dutch Civil Code you never receive more than your actual loss, so a report that is too old costs you money.
Declare originality and modifications
A more recent engine fitted, disc brakes, a sports exhaust or a different colour change both the risk and the value. If you do not report those changes, the insurer can rely on Articles 7:928 and 7:930 of the Dutch Civil Code when you claim and reduce the payout proportionately or reject it. A change during the term should also be reported: the policy was taken out on the car as it was described at the outset.
Restoration and loose parts
A car in pieces is not a roadworthy vehicle. If the body is at the paint shop and the engine at a rebuild specialist, that often falls outside the motor policy: it insures a vehicle, not a stock of parts. Fire or theft at the restoration firm then runs through that firm's business insurance. For the restoration period we arrange a separate agreement or object cover at the correct location.
Standing idle, suspension and vulnerability to theft
Classics are driven little and stand still a great deal. Damage caused by standing idle itself — seized brakes, corroding pipes, damp in the upholstery, rodents in the wiring loom — is not covered. If you suspend the registration, the obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM)lapses, but you may no longer take the car on the road. Early models have no electronic security at all. An immobiliser and locked storage are then not a luxury.
On an agreed value
On an agreed value Valuable or classic vehicles on an agreed value.
Breakdown assistance
Frequently asked questions
This is what people ask us most.
Do I have to have a valuation report?
For own-damage cover, almost always. Without a report the insurer has no recorded value and falls back on its own estimate in the event of a total loss. For third-party liability cover only, a valuation is not needed, because only the other party's loss is paid. We tell you which valuers the insurer concerned accepts.
May I drive the classic to work?
Usually not. The policy assumes hobby use and excludes commuting and business use, precisely because daily journeys change the risk of a claim. If you drive it to the office regularly, report that. We look for a variant that permits it or advise ordinary motor insurance alongside.
Are loose parts and the restoration stock covered?
In principle not. Motor insurance covers the vehicle, not a shed full of parts. For a front panel, a second engine block or a set of original seats, a separate agreement or contents or object cover at the storage location is needed. Tell us where the items are and who manages the space.
What happens if I suspend the registration?
The insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) then lapses and you may no longer take the car on the public road. You can usually keep own-damage cover against fire and theft in storage in place at a lower premium. Report the suspension to us, otherwise you keep paying for road use you do not have.
Every situation is different. For these situations we have a separate page.
- Compare construction all risks (CAR) insuranceThe main page
- Construction all risks (CAR) insurance for the construction sectorAll construction risks, sections 1 and 2, maintenance period
- The self-employed professional as a co-insured party under a CAR policySubcontractor, policy schedule, own equipment
- Construction all risks (CAR) insurance for self-employed professionalsOne project, main contractor, subcontracting
- Construction all risks (CAR) insurance for contractorsMain contractor, subcontractors, coordination
- Construction all risks (CAR) insurance for civil engineeringCables and pipes, dewatering, settlement damage
- Construction all risks (CAR) insurance for private clientsSelf-build, who insures, fitting with buildings insurance
- Construction all risks (CAR) insurance for bricklayersScaffolding, frost, falling material
- Construction all risks (CAR) insurance for property developersThe client's role, co-insured, after handover
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.