How does a claim work with car insurance?
The order is fixed: record, report, have it assessed, repair. Where it goes wrong is almost always at the first step.
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Work out for yourself what it would cost.
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- 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
Straight after the collision
Complete the European Accident Statement together. In doing so you sign for the factual course of events, not for fault. That assessment is for the insurers.
Make photos of both vehicles, the position on the road, road signs and the road surface. Note down witnesses with their name and telephone number.
Accept no liability. You can bind your insurer to something that later turns out not to be correct.
Reporting
Report the claim to your insurer or to us, even if you think the other party is at fault. Under Article 7:941 DCC you have to report a claim as soon as possible.
Reporting late can prejudice the insurer's position on recovery, and that can have consequences for your payment.
Assessment and repair
For larger claims, a loss adjuster round to establish the extent. If you disagree with their findings, you have the right to a an independent loss adjuster acting for you; the cost of that is usually paid.
Repairs often go through an approved accident repair centre; that can reduce the excess. You may usually also choose yourself, but different conditions can then apply.
What it costs you
Your excess, and on an at-fault claim the loss of no-claims years. That last point works through for years. On a small claim it is sometimes cheaper to pay yourself.
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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.
Frequently asked questions
This is what people ask us most.
What do I do immediately after a collision?
Fill in the accident statement form, take photographs, note down witnesses and do not accept liability.
Do I have to report it if the other party is at fault?
Yes; under Article 7:941 of the Dutch Civil Code you report as soon as possible.
What if I disagree with the loss adjuster?
You are entitled to an independent loss adjuster acting for you. Those costs are usually paid.
May I choose my own repairer?
Usually yes, but through an approved repairer the excess is often lower.
What does a claim cost me?
The excess, and on an at-fault claim the loss of no-claims years.
Is signing an admission of fault?
No; you sign for the actual course of events.