Cover · excess · mileage
How can you make your car insurance cheaper?
There are a few levers that really make a difference. Most of them lie not in switching but in what you insure.
Deze pagina in het Nederlands: Hoe wordt uw autoverzekering goedkoper?.
Calculate your premium or request a quote
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
Look at your cover first
The biggest saving lies in the question whether comprehensive cover still fits the value of your car. Once the market value falls below about three to four times your annual premium plus the excess, third-party, fire and theft is often more logical.
That can save hundreds of euros a year. On a financed car it is not possible: the lender usually requires comprehensive cover.
Excess and mileage
A a higher excess lowers the premium noticeably. Choose an amount you can spare without difficulty after a claim.
If you drive little, declare a realistic mileage . Declaring it too low is not a saving but a risk: after a claim an additional premium can follow or a partial payment.
Your no-claims years
They determine a large part of your premium. Check in Roy-data whether the number recorded is right; errors do occur, for instance a claim wrongly recorded as an at-fault claim.
On a small claim, paying yourself can be cheaper than claiming, because the loss of no-claims years works through for years.
What does not work
Giving incorrect information to bring the premium down — a different address, an older regular driver, fewer kilometres. That is an incorrect declaration under Article 7:928 of the Dutch Civil Code and costs you your cover after a claim.
Read more
Similar pages
- How often do you pay for your car insurance?
- Why is car insurance so expensive?
- Which three types of car insurance are there?
- No-claims years and no-claims discount
- Car insurance: frequently asked questions
- Saving on your car insurance
- Car insurance for new drivers
- Putting together affordable car insurance
- What does third-party liability insurance cost per month?
Frequently asked questions
The questions we are asked most often about this.
What makes the biggest difference?
The choice between comprehensive and third-party, fire and theft, matched to the market value of your car.
Does a higher excess help?
Yes, noticeably. Choose an amount you can spare after a claim.
Do I have to adjust my mileage?
Declare a realistic figure; declaring it too low can lead to an additional premium or a reduction after a claim.
What do I do with a small claim?
Work out whether paying yourself is cheaper than the loss of no-claims years.
Can I check my no-claims years?
Yes, in Roy-data through your insurer or through us; errors do occur.
May I adjust the information to save money?
No; an incorrect declaration costs you your cover after a claim.
What is covered and what is not
What is covered
| Situation | Third-party, fire and theft | Comprehensive |
|---|---|---|
| A loose shopping trolley rolls into your door | No | Yes |
| Hail dents the bonnet during a summer storm | Yes | Yes |
| You hit a lamp post while pulling out of a parking space | No | Yes |
| Your car is stolen from the street at night | Yes | Yes |
| Someone runs a scratch along the whole length of the car | No | Yes |
| The engine seizes because servicing has been put off for years | No | No |
The third-party liability cover is the same in both forms; the difference lies solely in damage to your own car.