Lease car · compared independently · advice from Finass
Compare lease car insurance & save straight away
Arrange exactly the cover your lease contract requires — often comprehensive, with GAP or purchase price cover. Compare more than 30 Dutch insurers 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 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
Lease car insurance is car insurance for a leased car. Whether you have to arrange it yourself depends on the form of lease. With operating lease the insurance is usually included in the monthly amount. With finance lease you are the economic owner and take out insurance yourself — almost always comprehensive, because the leasing company requires it. With some private lease contracts too, you arrange or top up the cover yourself.
At Finass Verzekert we compare more than 30 Dutch insurers so that you take out exactly the cover your lease contract prescribes — at the keenest premium. We pay attention to the leasing company's requirements, such as compulsory comprehensive cover and GAP or purchase price cover, and to useful additions such as occupants cover and reducing your excess.
With an operating (business) lease the insurance is normally included. There you mainly want additional cover such as occupants insurance. With finance lease and with some private lease contracts you arrange the insurance yourself and comprehensive cover is often compulsory. We advise you independently on what is needed in your situation.
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
The basic cover required by law. Only permitted where your lease contract allows it — usually with an older finance lease car of low market value.
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 external damage to the lease car. Permitted where the lease contract does not require full comprehensive cover.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover — full own-damage cover, including damage you cause yourself. Compulsory under most lease contracts and to be supplemented with GAP or purchase price cover.
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 Leaseauto
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 Lease 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.
GAP / purchase price cover
GAP / purchase price cover On a total loss or theft, covers the difference between the payment (market value) and your outstanding lease debt or the purchase price — preventing a residual debt.
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 — often not standard in a lease contract.
Lowering the excess
Reducing the excess Reduce or buy off the excess the leasing company charges when there is a claim, so that you pay less or nothing yourself.
Breakdown assistance & a replacement vehicle
Breakdown assistance & a replacement vehicle 24/7 breakdown assistance in the Netherlands and Europe and a replacement vehicle during damage or repair, where this is not already included in your lease contract.
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 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.
That depends on the form of lease. With an operating (business) lease the insurance is usually in the monthly amount. With finance lease and with some private lease contracts you take out car insurance yourself, almost always comprehensive. We advise you independently on what is needed in your situation.
What is the difference between operating, finance and private lease as regards insurance?
With an operating lease the leasing company is the owner and the insurance is normally included. With finance lease you are the economic owner and arrange the insurance yourself. Private lease is for private individuals. Sometimes the insurance is included, sometimes you top it up yourself with, for example, occupants cover or a lower excess.
Is comprehensive cover compulsory with a lease car?
Under most lease contracts, certainly finance lease, the leasing company requires uninterrupted comprehensive cover for the whole term. Only with an older car of low value does the contract sometimes allow lower cover. Always check the requirements in your contract. We match the policy to them.
What is GAP cover and do I need it?
GAP or purchase price cover pays, on a total loss or theft, the difference between the payment on market value and your outstanding lease debt or the original purchase price. Without this cover you can be left with a residual debt. With a lease car GAP is therefore strongly advisable.
Do I build up no-claims years with a lease car?
With an operating lease the leasing company is often the policyholder, which means you build up no no-claims years yourself. With finance lease and with a policy of your own you do build them up. We look at how you can best use or keep the no-claims years you have built up.
Can I reduce the excess on my lease car?
Yes, you can often reduce or buy off the excess that applies when you claim, through an additional module. That way you pay less or nothing yourself when you claim. We show you with which insurer this can be done most favourably.
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.
