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 for yourself what it would cost.
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
Kia is known for a generous manufacturer's warranty. That leads to a misunderstanding: the warranty and own-damage cover cover opposite things. The warranty covers manufacturing and material faults from within; car insurance covers damage from outside. An engine fault, a failed charging module or worn brake discs are therefore never an insurance claim, not even with comprehensive cover.
The second point is how the value is treated over time. These cars are often bought new and then driven for a long time, so that at some point the policy moves from a replacement value as new arrangement to a market value basis. When that moment falls differs by insurer and is one of the few parts of a policy you can genuinely influence in advance.
If you are comparing within the same segment, the pages on SEAT and Opel are the closest alternatives.
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.
A warranty is not insurance
The manufacturer's warranty pays for defects in the product itself, within the period and mileage limits of the warranty conditions. Your car insurance does precisely the opposite: it pays for damage from a collision, fire, theft or natural forces. Wear, mechanical defects, software faults and electronic failures are excluded under every own-damage policy. So a defect that falls outside the warranty period does not move across to your insurance.
A replacement-value-as-new or purchase-value arrangement
If you buy a Kia new, the replacement value as new period determines what you get back on a total loss. That period differs by insurer and often applies only to the first owner. On a used car a purchase price arrangement with a shorter term applies. You never get more than the actual loss: Article 7:960 of the Dutch Civil Code prohibits a payout leaving you better off than you were before.
Parked outside: hail, storm and falling branches
If the car is regularly kept on the street or on a drive, damage comes more often from the sky than from traffic. Hail damage and a branch blown down fall under natural forces in third-party, fire and theft with most policies, but the description of that differs by insurer and sometimes a wind force threshold applies. Damage because you parked under a tree is not an exclusion; deferred maintenance of the paintwork is.
Repair inside or outside the marque network
If you have damage repaired by a firm not connected to the manufacturer, that can affect your current warranty on the parts concerned. Many policies offer a lower excess if you go to an affiliated repairer. Report damage as soon as reasonably possible; Article 7:941 of the Dutch Civil Code requires it and reporting late can cost you the payout.
What does your premium depend on?
Version and list price. The price bracket of the model with the factory-fitted options forms the basis of the calculation.
Drivetrain. Petrol, hybrid or fully electric leads to a different weight, a different cost of claims and a different rating group.
Weight of the vehicle. Electric versions weigh more because of the battery pack, which counts in the rating.
Main driver and no-claims years. The age, driving experience and accrued claims history of whoever drives most.
Annual mileage. The number of kilometres a year you declare, with a check afterwards against the odometer reading.
Type of cover and excess. Third-party liability, third-party fire and theft or comprehensive, combined with the excess and any glass arrangement.
Insurers weigh these details differently. That is where your saving is.
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.
Does the manufacturer's warranty replace own-damage cover?
No. The warranty pays for defects in the vehicle itself falling within the warranty conditions. Damage from a collision, fire, theft, hail or vandalism falls entirely outside it and needs own-damage cover. Conversely, no insurance pays for an engine fault or a worn part. The two complement each other; they do not replace each other.
How long does the replacement-value-as-new arrangement apply?
That differs by insurer and is one of the points on which policies vary most. The arrangement usually applies only to the first owner and from the date of first registration. If you buy a used example, a shorter purchase price arrangement usually takes its place. Ask for the period specifically before you sign.
Is hail damage covered without comprehensive cover?
Usually yes. Hail falls under natural forces with most policies and that is already included in third-party, fire and theft. The description differs by insurer, however, and some conditions set a wind force threshold before storm damage is recognised. Check that point if your car is regularly kept outside; it is one of the cheapest ways of avoiding unnecessary risk.
Does the insurance pay for an electronics or software fault?
No. A glitching infotainment screen, a sensor that fails or software that no longer works are defects from within and therefore fall outside every own-damage cover. That belongs with the manufacturer's warranty or the service contract. The insurance only comes into play once those same parts are damaged by a collision, fire or break-in.
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.
