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
The body parts of a McLaren are plastic or carbon fibre and the load-bearing structure is a carbon fibre monocoque. That changes claims handling fundamentally. Where on a steel car the question is how many hours the straightening takes, here the question is whether the structure is still within specification. A monocoque is not repaired but passed or failed, and that assessment is made by a point approved by the manufacturer, not by an ordinary body shop.
That makes the choice of repairer a question of cover rather than of service. Have it recorded that you are entitled to repair at an approved marque point and that original parts will be used. If the car is sent to the insurer's standard network, you run the risk that the structural assessment cannot be carried out and that the car has no demonstrable file after the repair. On resale that file is a factor in the value.
For the rest the policy is determined mainly by use and storage: a limited annual mileage, a locked space, a fixed group of drivers and the agreement that the car does not go on a circuit. Those declarations together form the risk accepted; if practice departs from them, Article 7:930 of the Dutch Civil Codecomes into play. A comparable question of construction arises with the Pagani.
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.
Carbon fibre is assessed, not straightened
After an impact it has to be established whether the monocoque shows delamination or cracking. That is not a visual assessment; it is measured and, where necessary, scanned. If the structure does not pass, the car is in principle no longer repairable and a total loss follows, even where the outside looks slight. So never let an assessor judge on photographs alone and make sure the assessment takes place at an approved point.
Parts, delivery time and time off the road
Body parts, the hinges of the dihedral door system and the aerodynamic components come from a limited stock. Delivery times of weeks to months are not unusual and the car stands still during that period. An own-damage policy pays for the repair, not for the loss of use. If you want a replacement vehicle or storage costs during the repair period covered, that has to be arranged separately; in this segment it is not included as standard.
Damage to the underside at speed humps and drives
The low floor pan and the front splitter touch the ground sooner at speed humps, on drives and in car parks. That type of damage is only covered under comprehensive cover, because it is damage through your own actions. Use the nose lift consistently and report even a scrape that looks slight: with carbon fibre a structural problem can lie beneath surface damage which only becomes visible later and is then harder to tie to a single event.
What is not covered
The following remain outside the cover: driving on a circuit or during a marque track programme, even without timing; wear and mechanical defects such as damage to the transmission or the hydraulic suspension system without a collision; a replacement vehicle and storage costs during the repair period, unless separately insured; a fall in value after a proper repair; and damage during hire or while the car has been made available to a third party for payment.
What does your premium depend on?
Repair route and marque network — Free choice of an approved marque point costs premium, but with a monocoque it is necessary.
Basis of value — Market value or a valuation; where there is little to compare in the market, a valuation report is usual.
Annual mileage — These cars cover little mileage, which is recorded with a strict band.
Storage and alarm level — A locked garage with detection is usually a condition of acceptance in this segment.
Circle of drivers and driving experience — A closed group with extensive experience is assessed considerably more favourably.
Additional cover — A replacement vehicle, transport and cover during events are added separately.
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.
To a limited extent. Small surface blemishes can sometimes be made good, but as soon as there is delamination or cracking in the load-bearing structure, the monocoque is failed. Repairing the core is not an approved route. In that case a total loss follows, even where the body panels around it still look sound. Always have the assessment made at an approved point.
May I choose the body shop myself?
Only if that is stated in the policy. Many policies steer you towards their own network and attach a lower excess to it. On this car that network is rarely suitable, because the structural assessment cannot be carried out there. Have the right to repair at an approved marque point recorded in writing in advance, not when you first report a claim.
Will I get a replacement vehicle during the repair period?
Not automatically. As standard, own-damage cover pays for the repair and not for the loss of the car. Because delivery times for parts on this make can be long, the time off the road can mount up considerably. If you want a replacement vehicle or a payment for the storage and downtime period, that has to be put on the policy as additional cover.
Is a visit to a marque track programme covered?
No. Any use on a circuit falls outside the standard cover, even where the programme is organised by the manufacturer or importer and no times are taken. Separate event covers exist for such days. Arrange that in advance, because reporting afterwards that the damage arose on the track leads to refusal of the own-damage part.
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.
