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
These cars are usually registered to a business and used for representation: collecting clients and guests, carrying directors, being present at events. The most important passengers sit in the back. That shifts the emphasis of the insurance to three points: who counts as the regular driver , how the occupants are covered, and whether the use still falls within the definition of private or business transport.
The compulsory third-party liability cover under Article 2 of the Dutch Motor Insurance Liability Act (WAM) pays for other people's losses, including those of your own passengers. What it does not pay for is injury to the driver themselves where they are at fault. If your chauffeur is an employee, that also affects your employer's liability: under Article 7:611 of the Dutch Civil Code you have to make proper provision for employees who take part in traffic in the course of their work.
If the car with a chauffeur is made available for payment, that is no longer private use but the carriage of passengers. That is excluded under an ordinary car policy and calls for a separate form of cover. When you apply, we check which of these situations applies to you before we place the car insurance .
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.
The chauffeur is the main driver
Insurers rate on whoever drives the vehicle most, not on the registered keeper. If your chauffeur covers the great majority of the mileage, they belong on the policy as the main driver. If someone else is named, the declaration is incorrect and the insurer can rely on Article 7:928 of the Dutch Civil Codewhen you claim. If the chauffeur changes, report it; it is not an administrative formality but the basis of the premium.
Rear passengers call for cover of their own
Passengers are protected through the third-party cover where your driver is at fault. If something happens without any identifiable fault on your side, or your own chauffeur is at fault and is injured, third-party cover offers no answer. An occupants' accident insurance pays regardless of fault and covers the driver as well. On a car used primarily for carrying people within the business, that is not a luxury but the heart of the risk.
Carriage for payment falls outside the policy
As soon as there is a payment for the journey, the nature of the use changes. Hire with a chauffeur, ceremonial transport and carrying guests for payment are excluded under an ordinary car policy, even where you do it occasionally and the payment is small. That really is investigated after a claim. If you do this regularly, cover for the professional carriage of passengers is needed, with the licensing requirements that go with it.
Handing over the key at a hotel or event
With valet parking you hand the car and the key over voluntarily to a third party. If the car then disappears, in law that is not theft but misappropriation or fraud, and that is separately excluded under many policies. Ask whether your insurer covers this situation. If not, park the car yourself or place liability in writing with the party accepting the key.
What does your premium depend on?
Regular driver — The age, driving experience and claims history of whoever actually drives, not of the registered keeper.
Registered keeper — A business registration changes how no-claims years are built up and the acceptance questions.
Type of use — Representative transport within the business, private use and the carriage of passengers for payment are three different risks.
Weight and engine power — The mass of these versions feeds through into both the cost of claims to others and the repair costs.
Occupants' covers — With this use, occupants' indemnity or personal accident insurance is a substantial part of the package.
Storage and security — Where the car stands between journeys, and whether that is a guarded location, counts towards acceptance.
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.
My chauffeur drives practically all the mileage. Whom do I put on the policy as the driver?
The chauffeur, because the insurer rates on whoever drives the vehicle most. If you name someone else, the declaration is incorrect and the insurer can rely on Article 7:928 of the Dutch Civil Code when you claim and reduce the payout. If you change chauffeur, report it straight away. With several chauffeurs we ask for a group of drivers rather than a fixed name.
Are my passengers in the back insured?
For injury for which your driver is liable, the third-party cover pays. Where that liability is absent, for example in a single-vehicle accident with no fault, nothing is left without additional cover. Occupants' indemnity insurance pays regardless of fault and covers your chauffeur as well. On a car used to carry guests, that is the part that really matters.
I sometimes carry business contacts for an expenses payment. Is that allowed?
Not on an ordinary policy. As soon as there is a payment, it is the carriage of passengers for payment and that is excluded, including for occasional use and a modest amount. After a claim this is investigated through diaries, invoices and statements. If you do this more often, have cover for the professional carriage of passengers arranged and bear the licensing requirements in mind.
The car disappeared after valet parking. Is that theft?
In law usually not. You handed the car and the key over voluntarily, so it is misappropriation or fraud, and those are separately excluded from theft cover under many policies. Check before you take out the policy whether your insurer includes this situation. If it does not, park the car yourself or have the party accepting the key accept liability in writing.
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.
