Hiscox · compared independently · advice from Finass
Classic car insurance through Hiscox
A classic car that goes to concours events, tours and club days spends almost as much time on a trailer or in someone else's shed as it does on the road: and that is exactly where the cover most often runs aground.
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
Anyone who actually uses their classic car rarely does so only in their own street. The vehicle goes to a run, a concours or a club day, is parked overnight at a hotel or on a cordoned-off site along the way, and sometimes travels on a trailer. Each of those moments raises its own question of cover, and most standard conditions are written for a car that stands in its owner's garage.
Enthusiasts also rarely own exactly one vehicle. A second car under restoration, a motorcycle, a stock of parts and tools in the workshop: together that is a considerable value which does not automatically fall under the vehicle policy. Parts that are not fitted, are almost never covered by own-damage cover and belong with a home contents or valuables solution.
We compare the Hiscox classic car product with those of other providers on the points that matter to people who use their cars: cover during events, transport by trailer, temporary storage elsewhere and the treatment of loose parts. If your main concern is the valuation and the mileage limit, read our page on classic car insurance through Turien & Co.
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
Third-party liability insurance is compulsory by law and covers damage you cause to others with your car, not damage to your own car.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover, including for your own damage, theft and total loss. We compare the Hiscox comprehensive version with the market.
Hail damage
Damage through your own fault
Vandalism
Unknown party at fault
What is covered
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Provided it is declared
One point of contact for claims
Yes
Provided it is declared
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
What we do
What we do
At Finass
Direct with Hiscox
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 Hiscox 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.
A tour is covered, a regularity run often is not
A shared tour on the public road is normal use. As soon as a classification, timing or an average speed comes into it, conditions quickly speak of a competition, and competitions are excluded. The same applies to manoeuvring tests on a closed site. Ask the organisers in advance how the event is described in the entry documents and put that to your insurer.
On the trailer you are no longer the driver
If the classic car travels on a trailer, it is temporarily a load. Damage caused by incorrect strapping, by a blown tyre on the trailer or during loading and unloading then falls not under your own-damage cover but at most under the carrier's liability. If you engage a haulier, ask for their carrier's cover; it is limited and often excludes damage caused by an inherent defect.
Parts and tools stand outside the policy
A dismantled engine, a set of original wheels or a stock of body panels does not fall under the own-damage cover on the vehicle, because that relates to the car as a whole. A fire or a break-in at the workshop then hits an uninsured value. Take stock of what is lying loose, record the purchase value with photographs and receipts, and place that stock in a separate section or on a separate policy.
Where the cover stops in any event
Excluded under virtually all conditions are: taking part in speed events and track use, damage arising during work by a garage or restorer, and defects caused by corrosion, wear or deferred maintenance. Commercial use, such as hire for weddings or filming, also falls outside enthusiast cover. If you do that regularly, a business solution is needed rather than a private classic car policy.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
Number of vehicles on the policy. Several classic cars under one contract are rated differently from a single vehicle.
Agreed value per vehicle. The valuation per object sets the own-damage basis and with it most of the premium.
Use at events. Taking part in concours events, rallies and club runs counts more heavily than local runs only.
Storage and security. A locked shed with intruder detection is assessed differently from a shared business unit.
Parts and tools included. The limit chosen for loose parts and workshop contents comes on top of the vehicle premium.
Territorial limits and transport. Runs and transport abroad require a wider territory than the Netherlands alone.
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.
On an ordinary tour on the public road, generally yes. As soon as timing, a classification or a test on a cordoned-off site is added, the insurer can treat it as a competition and there is no cover. Ask the organisation in advance what the event is officially called and declare your entry; a short confirmation beforehand prevents argument afterwards.
Is my car insured while being carried on a trailer?
Usually not under your own-damage cover, because the car is then not taking part in traffic but is a load. Arrange cover through the haulier or ask for an express extension for transport. Check loading and unloading as well. It is precisely when driving on to the trailer that damage occurs to the floorpan, spoiler and exhaust.
Can I put several classic cars on one policy?
That is usual with enthusiast products and makes the administration clearer. Each vehicle does need its own valuation and its own form of cover. A running example and a car under restoration do not ask the same. Declare as well who is allowed to drive, because a collection policy often has a limited circle of permitted drivers.
Are loose parts covered?
Only if they are expressly included. Own-damage cover relates to the vehicle as registered, not to a dismantled engine or a rack of body panels. A fire or a break-in at the workshop then hits an uninsured value. Record the stock with photographs and proof of purchase and discuss whether a separate section or a home contents solution is the better fit.
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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