Third-party liability
- Damage to other cars and injury
- No cover for your own car
- Compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM)
- A relatively small part of the premium
Valuation · individual acceptance · garaging
What does it cost to insure a Bugatti?
A Bugatti falls outside every standard rating table. The premium does not come from a comparison tool but from individual acceptance, in which the valued amount, where the car is kept and how it is used are decisive.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Wat kost het om een Bugatti te verzekeren?.
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
This page gives no premium figure, and that is not an omission. For cars such as the Veyron and the Chiron — models with a W16 engine from Molsheim, built in small numbers — there is no rating table from which a premium rolls out. Insurers assess such an application individually: what value is at stake, where the car is kept, who drives it, how many kilometres a year and in which countries. Each of those answers changes the premium substantially, and quoting a figure without that information would be misleading.
What is certain is the structure. The compulsory third-party liability cover under Article 2 of the Dutch Motor Insurance Liability Act (WAM) is the smallest part of the bill with cars like these: liability does not differ materially from that of an ordinary car. The emphasis lies on the own-damage cover, and in this segment that is normally calculated on the agreed value. The higher that value and the more intensive the use, the higher the premium.
The valuation is therefore the central document. A recognised valuer records the value; if that report is included in the policy, then under Article 7:960 of the Dutch Civil Code that value is the starting point when there is a claim, instead of a market value that has to be estimated afterwards. With a car of which a few hundred are on the road worldwide, that certainty in advance is the whole point of the insurance.
What does the cover consist of?
Three sections, with below them the situations that most often lead to argument in this segment.
Own-damage cover on an agreed value
Full own-damage cover on a valued amount fixed in advance.
- Payment of the valued amount
- Based on Article 7:960 of the Dutch Civil Code
- Conditions on storage and mileage
- Renew the report periodically
Transport, garaging and events
Cover for the times when the car is not on the road under its own power.
- Transport by enclosed trailer
- Stays in external storage
- Taking part in static events
- Driving on a circuit remains excluded
What is covered
| Situation | Third-party liability | Own-damage cover on an agreed value |
|---|---|---|
| Damage you cause to someone else | Yes | Yes |
| Theft from a locked, secured garage | No | Yes |
| Damage during transport on an enclosed trailer | No | Provided that |
| Damage at a valuer, restorer or dealer | No | Provided that |
| Damage during a run on a circuit | No | No |
| Mechanical failure without a collision | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What determines the premium in this segment
Four factors that weigh more heavily than the make or the model itself.
The valued amount is the basis
In this segment the own-damage premium is normally derived from the the insured value, not from a premium class. That value comes from a valuation report by a recognised valuer and is recorded in the policy under Article 7:960 of the Dutch Civil Code . Note the period of validity: insurers accept a report for a limited number of years and then require revaluation. If the market value rises sharply in the meantime, have it revalued sooner; otherwise the car is underinsured even though you are paying premium.
Storage, security and mileage
At these values insurers impose demanding requirements: the car kept in a locked space that is not open to the public, often with intruder detection and sometimes with a requirement for fire separation where several cars are kept. In addition, a maximum number of kilometres per year is recorded, along with a limited group of drivers. These arrangements appear in the policy as a warranty clause. If you do not comply with them at the time of the loss, the insurer can reduce or refuse the payment.
What is not covered
The following, among others, are outside the cover: taking part in speed, regularity and skill events and driving on a circuit, even at a closed event or a factory day; mechanical and electronic defects without a collision, including consequential loss — a failed turbo or transmission is not an insured event; and damage during hire, driving experiences or other commercial use. Damage caused by intent or recklessness is excluded under Article 7:952 of the Dutch Civil Code. Any reduction in value after a repair carried out correctly is likewise paid only where the policy expressly provides for it.
Parts, repair and lead times
For these cars parts come from a limited factory stock and repairs are carried out by a business approved by the manufacturer, often abroad. That means long lead times and high costs for dismantling and transport. So establish before taking out cover that repair by the marque-approved repairer is permitted and that transport costs to that business fall under the cover. Report a claim as soon as is reasonably possible (Article 7:941 of the Dutch Civil Code) and have nothing dismantled before the loss adjuster has seen the vehicle.
What does your premium depend on?
- Agreed value — the basis for own-damage cover
- Annual mileage — limited use lowers the premium
- Storage and security — a locked space with detection
- Circle of drivers and experience — who is allowed to drive counts heavily
- Area of use — the Netherlands, Europe or beyond
- Excess — a higher excess lowers the premium
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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.
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.
Frequently asked questions
The questions we are asked most often about this.
Why do you not quote a figure?
Because there is no rate that applies to this segment. Insurers accept such a car individually and set the premium and the conditions to match the valued amount, where it is kept, the mileage and the drivers. Quoting a figure without that information would raise an expectation that the actual quotation does not meet. What we do is put the application to insurers that accept risks in this segment.
How is the premium made up then?
Broadly from two parts: a liability part, which does not differ materially from that of an ordinary car, and an own-damage part calculated on the insured value. On top of that come loadings and discounts for garaging, security, mileage, the circle of drivers and the excess chosen. Someone who uses the car sparingly and keeps it in a secured garage pays considerably less than someone who drives it every day.
Is a valuation compulsory?
Not in law, but in practice yes. Without a valuation the insurer pays market value in the event of a total loss, established after the event. With a car of which few examples exist, the reference market for determining that market value reliably is missing. Insurers in this segment therefore almost always require a recent valuation report and record it in the policy under Article 7:960 of the Dutch Civil Code.
May I take the car to a track day?
Not under the ordinary policy. Driving on a circuit is excluded, even without timing and even at a closed event held by the manufacturer. If you do want to go on track, separate temporary cover is needed that applies specifically to that day. Arrange it in advance and in writing; a verbal assurance from anyone at all is not enough when there is a claim.
What if the car is part of a collection?
Then a collector's policy is often more suitable than separate contracts. The cars are placed on one contract, each with its own valued amount, with shared conditions on garaging and a joint mileage budget. Insurers then impose requirements on the space: resistance to break-in, fire detection, separation between vehicles and a ban on work involving fire risk in the same space.
Does it matter whether the car is an import?
Yes. The version, the specification and the history determine the value, and those differ from market to market. Report the origin when you apply; that comes under the duty of disclosure in Article 7:928 of the Dutch Civil Code. Make sure the registration details, the valuation report and the policy match each other, including the chassis number and the version. A discrepancy between them is the first thing a loss adjuster looks at when there is a claim.
Read more
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Would you like your Bugatti assessed?
Request a quote without obligation; we will put the application to insurers that accept risks in this segment.
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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.