Imported car · compared independently · advice from Finass
Compare imported car insurance & save straight away
An imported car is best insured with an insurer that accepts imports — often on a fixed valued amount. We compare more than 30 Dutch insurers, including specialists in imports, and calculate your premium from the registration number within 2 minutes. Independent advice from Finass Verzekert — AFM-registered and affiliated to Kifid.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Imported car insurance is car insurance for a car imported from outside the Netherlands — from another EU country or from further afield, such as the United States or Japan. Before you can insure it, the car needs a Dutch registration number; for that the RDW (the Dutch vehicle authority) inspects the vehicle. After that, as with any car, at least compulsory third-party liability cover applies.
For an import the market value is often hard to determine, certainly with rare or unusual models. That is why insuring on a fixed valued amount is often sensible. Not every insurer accepts an imported car either. At Finass Verzekert we compare several insurers, including import specialists, so that you get the right cover at a fair premium.
Note the RDW registration and the registration number, the valuation for unusual models, and the availability and cost of parts — with imports those are often higher. A car with an originally foreign registration, for example right-hand drive (UK), also calls for an insurer that accepts this. We look for the provider that suits your import.
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
The basic cover required by law. Suitable for a common import of limited value, where you take own-damage costs for your own account.
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 theft, fire, storm and glass damage — on a valued amount if you wish. For many imports the middle way.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover, including damage you cause yourself, preferably on a fixed valued amount. Advisable for a valuable or rare imported car.
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 Importauto
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 decide whether Imported car 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.
Valued amount for an import
Valued amount for an import Insure your imported car for a value agreed in advance. With rare or American and Japanese imports in particular, this prevents argument about the market value.
Breakdown assistance in the Netherlands & Europe
Breakdown assistance NL & Europe 24/7 help with breakdowns on the road, with towing, roadside repair and a replacement vehicle throughout Europe — useful with imports whose parts are less common.
Passenger accident insurance (SVI)
Occupants insurance (SVI) Pays for injury and damage to property suffered by the driver and passengers, regardless of who is at fault in an accident with your imported car.
Agency workers, interns & volunteers, traffic
Agency workers, trainees & volunteers traffic Legal assistance after a collision or in a dispute about damage or about the purchase and import of your car, so that you are not on your own.
What does your premium depend on?
Sum insured — the main basis for calculation
Cover and modules chosen
Risk profile and sector
Excess chosen
Claims history
Working area
Insurers weigh these details differently. That is why comparing pays off.
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.
Yes. As soon as your imported car has a Dutch registration number, you can insure it. Not every insurer accepts an import, however, certainly not with unusual models or cars imported from outside the EU. We compare several insurers, including import specialists, and find a provider that will accept your car.
Do I need a Dutch registration number in order to insure it?
Yes. Before you can insure an imported car, the vehicle has to be inspected by the RDW and given a Dutch registration number. Only then can a Dutch insurer insure the car for the road. We help you as soon as the registration is settled.
Do I have to insure my imported car on a valued amount?
For common EU imports, insuring on market value can be enough. With rare, American or Japanese imports the market value is hard to determine and a fixed valued amount based on a valuation report is sensible. That way you know you will receive a correct amount in the event of damage or a total loss.
Do all insurers accept an imported car?
No. Some insurers are cautious about imports because of the valuation and the availability of parts. There are, however, insurers that focus specifically on imports. We know which insurers accept your type of import and on what conditions.
Is an imported car more expensive to insure?
It can be, particularly where parts are scarce or expensive or the car is rare. At the same time many imports insure perfectly well at a normal premium. By comparing, you find the insurer that assesses your import most favourably.
Can I insure a car with an originally foreign or right-hand-drive registration?
Yes, provided the car has a Dutch registration number. A car that was originally foreign or is right-hand drive (imported from the United Kingdom, for example) does call for an insurer that accepts this. We find that insurer for you.
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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