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
With this make, passenger cars and commercial vehicles sit side by side in the same range. A Sprinter or Vito on a commercial registration does not belong on a private car policy: for that there is separate van insurance, with different provisions on the load, the fitting out and use. The type of registration and the actual use determine the form of policy, not the make.
On the passenger car side the emphasis lies elsewhere. On the S-Class and the AMG versions, the list price, power and weight count heavily, and air suspension, rear-axle steering and driver assistance electronics make repair after a collision expensive. There are separate pages for those versions, such as on the S-Class and the G-Class.
If the car is driven for business by staff, the statutory division of liability comes into play alongside the policy. Who bears which loss is set out in the Dutch Civil Code and not in your conditions.
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.
Passenger car or commercial vehicle
A Sprinter or Vito carrying goods for work belongs on van insurance. A private car policy excludes the commercial carriage of goods, and the load, the fitting out and the tools in the load space are not insured on it in any event. If you drive a passenger car on a commercial registration, check that the use in the policy matches reality.
An employee behind the wheel
If your employee causes damage with a company car, the employer is liable towards the victim under Article 6:170 of the Dutch Civil Code. You may only recover the excess or the own-damage loss from that employee in cases of intent or wilful recklessness, as Article 7:661 of the Dutch Civil Codeprovides. Deducting it from wages without that basis will not stand up. Record changing drivers in your administration.
High-specification versions and the rating group
An AMG version or an S-Class falls, because of its power, weight and list price, into a considerably higher rating group than an entry-level model in the same range. On top of that, air suspension, rear-axle steering and the sensors in the bumpers and windscreen have to be reset after a collision. Wear to those systems and faults without an external cause stay outside own-damage cover.
Carrying passengers for payment
Chauffeur services, taxi work and journeys through a booking platform fall outside ordinary car insurance, even if you only do it occasionally. If you conceal this use, the insurer can adjust or refuse the payout under Article 7:928 of the Dutch Civil Code . For the carriage of passengers for payment there is a separate form of policy, with different requirements as to the driver and the limits of liability.
What does your premium depend on?
Type of registration and weight — Whether the vehicle is registered as a passenger car or a commercial vehicle and which weight class it falls into.
Trim level and engine power — The difference between an entry-level engine and an AMG or S-Class version feeds strongly through into the rating group.
Nature of use — Private use, commuting, business use or the carriage of goods each lead to a different assessment.
Number and type of drivers — Whether only one person drives or several employees take turns at the wheel.
Annual mileage — Cars driven for business usually cover more mileage, which increases the chance of a claim.
Cover and excess — The form of cover chosen plus the excess, which with changing drivers is often higher.
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.
No. A van used commercially belongs on van insurance. That policy is geared to the carriage of goods, changing drivers and a load space with fitting out. If you do put the van on a private policy, you run the risk that after a claim the use turns out not to match the declaration and the cover is adjusted.
Who bears damage caused by my employee?
Towards the victim the employer is liable; Article 6:170 of the Dutch Civil Code governs that. The vehicle's third-party cover pays that loss. You can only recover the excess and the own-damage loss from the employee where there is intent or wilful recklessness, because Article 7:661 DCC protects them against recovery for ordinary mistakes.
Is the load in the load space insured?
Not on the car insurance. That covers the vehicle and the liability, not what you carry. For goods, tools and the fixed fitting out in the load space, separate covers are needed. If you lose a load on the road and that causes damage to others, that liability usually does fall under the vehicle's third-party cover.
May I drive for payment through an app?
Not without arranging it in advance. The carriage of passengers for payment is excluded under ordinary car insurance, however often you do it. If you do not report it and something happens during such a journey, the insurer can reduce or refuse the payout under Article 7:928 of the Dutch Civil Code. There is a separate form of policy for this use.
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.
