Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
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.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
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.
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What does lease car insurance cover?
The structure of the cover in three parts, with an overview per situation below.
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.
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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
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.
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.
Frequently asked questions
This is what people ask us most.
Do I have to insure my lease car myself?
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.
Every situation is different. For these situations we have a separate page.
- Compare van insuranceThe main page
- Private lease insurance & sensible top-ups
- Insuring a van on a grey registration & comparing premiums
- Business vehicle insurance and premium comparison
- Insuring an electric van & comparing premiums
- Compare second car insurance and save straight away
- Compare imported car insurance & save straight away
Read more
Within Bestelautoverzekering
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.