With Jeep the insurance question lies not in the model but in use away from the made road: off-road driving, wading, towing and modifications to the suspension.
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
The statutory insurance requirement in Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies to taking part in traffic on the road. If you take a Jeep onto rough ground, into a forest track or across the beach, you are not automatically outside the cover, but many own-damage policies do exclude damage arising while driving off the made road. That distinction is in the conditions and not in the law.
The second characteristic is how easily it can be modified. Raised suspension, coarser tyres, a winch, extra lighting or a snow plough change both the handling and the value of the vehicle. Modifications of that kind must be declared; if you do not, it affects the duty of disclosure and the cover for those very parts.
The structure of the cover in three parts, with an overview per situation below.
Compulsory
Third-party liability
Damage you cause to others.
Required by law
As long as the registration is in your name
Suspend the registration when not in use
Third-party liability plus
Third-party, fire and theft
Causes beyond your control.
Fire and storm
Theft
Windscreen damage
Comprehensive cover
Comprehensive
Including damage you cause yourself.
Own fault
Vandalism
Replacement-as-new period
What is covered
Situation
Third-party liability
Third-party, fire and theft
Comprehensive
Damage to the other party
Yes
Yes
Yes
Theft
No
Yes
Yes
Fire and storm
No
Yes
Yes
Damage you cause yourself
No
No
Yes
Wear and mechanical defects
No
No
No
Driving without a valid licence
No
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Driving away from the made road
Damage arising on an off-road site, a forest track, a building site or the beach falls outside own-damage cover under many policies. Think of a punctured floor pan, a damaged differential or a broken underside after contact with a rock or a tree stump. If you really want to use rough ground, have it confirmed in writing in advance whether and on what conditions your insurer covers that.
Water damage from wading
Driving through flooded roads or a ford is a classic cause of claims. If the engine draws in water, it is called hydrolock; that damage is practically always refused because it results from a deliberate act by the driver and not from a sudden external event. Where there are clear warning signs, the insurer can also invoke Article 7:952 of the Dutch Civil Code .
The trailer, the caravan and the towing weight
As long as a trailer or caravan is on the towbar, damage it causes to others falls under the car's third-party cover. Damage to the trailer or the load itself does not; separate trailer or caravan insurance is needed for that. If the trailer comes loose and then causes damage, you are liable as its keeper under Article 6:162 of the Dutch Civil Code.
Modifications to suspension and lighting
A lift kit, coarser tyres, a winch or extra lighting on the roll bar must be recorded in the vehicle register and declared to the insurer. Undeclared modifications can, under Article 7:928 of the Dutch Civil Code , lead to reduction or refusal of the payout. Even without any argument about cover, loose accessories are often only insured up to a limited amount.
What does your premium depend on?
Version and weight — From compact models to heavy off-road versions, both the weight and the rating group vary widely.
Use on or off the road — Whether the vehicle is driven solely on the public road or is also used on rough ground.
Modifications fitted — The suspension, tyres, winch and lighting change the value and the risk profile of the car.
Use of the towbar — Towing a caravan or trailer regularly counts towards the assessment of use.
Driver and no-claims years — The age, driving experience and claims history of whoever drives the vehicle most.
Cover and excess — The choice between third-party liability, third-party fire and theft and comprehensive cover and the amount of the excess for each event.
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.
That depends on your conditions. Third-party cover follows the statutory insurance requirement and reaches no further than that requirement does; own-damage cover is limited by many insurers to damage on the made road. If you regularly drive off-road, have it confirmed in writing in advance whether that is insured, rather than discovering it after a claim.
Are my winch and extra lighting insured?
Only if you have declared them and the insurer has accepted them. For accessories not fitted at the factory, most policies apply a separate limit. If you conceal the modifications, the insurer may adjust the payout under Article 7:928 of the Dutch Civil Code, even where the damage had nothing to do with that modification.
Does my car insurance also cover the caravan behind it?
The car's third-party cover pays for damage you cause to others with the caravan coupled. Damage to the caravan itself, to its contents or to the load falls outside it; for that you take out separate caravan or trailer insurance. Also make sure the permitted towing weight is respected, because exceeding it leads to argument.
What if my engine has drawn in water?
Hydrolock after driving through a flooded road or a water crossing is practically always refused. Insurers see that not as a sudden external event but as the foreseeable consequence of a driver's choice. If you drove into a closed or clearly marked stretch, wilful recklessness plays a part as well.
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.
