Most Maseratis in the Netherlands are bought second-hand and some come from abroad; that makes the discussion here not about replacement value as new but about which valuation arrangement you get.
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.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
This make has a lively used car market. The Ghibli, Quattroporte, Levante, GranTurismo and the later models change hands often and are regularly bought as imports. That has a concrete consequence for your policy: a replacement value as new or purchase price arrangement only applies where you are the first owner or take the car on within a short period after first registration. If you buy a used example, the insurer works in principle from the market value on a total loss.
For cars whose market value is hard to establish, or that are rare or unusually specified, an a valuation under Article 7:960 of the Dutch Civil Code is the answer. That is not only for classics: a well-documented modern example with a long list of options is often worth more than a price guide shows. We assess case by case whether a valuation is worthwhile or whether the cost does not justify the difference.
With an imported car there is also the administrative side. The insurer wants to know the status of the registration, when the car was first registered and whether there is a damage history abroad. An incorrect or incomplete declaration on those points affects the duty of disclosure under Article 7:928 of the Dutch Civil Code and can lead to a limitation of the payout when you claim.
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 used car almost always means market value
Replacement value as new arrangements are tied to first registration and to first ownership. If you buy a used example you fall outside them and, in the event of theft or a total loss, the insurer works from the value on the day of the event. That can be lower than what you paid. So when you take out the policy, ask specifically which valuation arrangement applies and from what date it is measured.
The import history must be fully on the table
With a car of foreign origin the insurer wants to know the date of first registration, the registration status and any damage history. If you conceal that, even unintentionally, the insurer can rely on Article 7:930 of the Dutch Civil Code when you claim and reduce or refuse the payout. Have an imported example inspected in advance and keep the report: it is your evidence of the condition in which you bought the car.
Existing defects are never insured
Own-damage cover pays for damage from an external event after the start date. Defects the car already had at purchase, deferred maintenance and mechanical faults fall outside it, however expensive they are. On used cars that often hits the wallet: a transmission, an air suspension system or electronics giving out is a purchase risk and not an insured event. A pre-purchase inspection by a marque specialist is the only real protection here.
The repair network and parts on older models
The longer a model has been out of production, the slower the supply of body and interior parts becomes and the more marque workshops disappear from the area. Check whether the policy allows free choice of workshop and what applies where delivery times are long: does the premium continue, is there a replacement vehicle and until when. On a car waiting months for parts, that arrangement matters more than a small difference in premium.
What does your premium depend on?
How it was acquired and the valuation arrangement — Whether you are the first owner or bought a used car determines whether replacement value as new, purchase price or market value applies.
Import or supplied in the Netherlands — The origin, date of first registration and foreign damage history count towards acceptance.
Model and body style — A saloon, an SUV and a coupé from the same range produce a different claims picture.
Age of the vehicle — As the age increases, the balance shifts from comprehensive to third-party, fire and theft or to an agreed value.
Annual mileage and type of use — Daily business use is weighted differently from a second car with a limited mileage allowance.
Excess and choice of workshop — Being steered towards a repair network often produces a discount but limits your choice for a marque-specific repair.
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.
I bought my car second-hand. Will I get back what I paid?
Not automatically. Replacement value as new and purchase price arrangements usually apply only to the first owner or within a short period after first registration. Beyond that, the market value at the time of the event applies, and that can differ from what you paid. If you want to close that gap, have the car valued and record the result in the policy as the insured value.
What do I have to declare with an imported car?
The date of first registration, the country of origin, the registration status in the Netherlands and any known damage history. Those details determine acceptance and the valuation arrangement. An incorrect or incomplete declaration falls under Article 7:928 of the Dutch Civil Code and gives the insurer room under Article 7:930 DCC to reduce the payout. So supply the documents generously rather than sparingly.
My transmission has failed. Is that insured?
No. A mechanical defect is not an external mishap and falls outside every own-damage cover, including comprehensive. The same applies to electronics, air suspension and engine damage through wear. Only where the defect results from a collision, fire or another covered event is it included. For mechanical risks there are separate warranty products, apart from the car insurance.
Is a valuation worthwhile on a modern example?
Sometimes it is. If the car has a rare specification, a long list of options or falls outside the usual price guides, a valuation under Article 7:960 of the Dutch Civil Code fixes the value in advance and prevents argument afterwards. On a common model with many transactions in the market, the difference often does not justify the cost. We work that out case by case.
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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