Third-party liability
- Required by law
- As long as the registration is in your name
- Suspend the registration when not in use
Car insurance for the Mercedes-Benz S-Class
The S-Class is an executive and chauffeur-driven car full of sensors. The policy here turns on theft prevention, calibration costs and the question of who is behind the wheel.
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- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
An S-Class is full of systems that have to be set up again after every intervention: cameras behind the windscreen, radar in the bumpers, sensors in the mirrors, a steered rear axle and air suspension with ride-height sensors. After a windscreen replacement or front-end damage, a calibration comes on top of that which not every workshop is allowed to carry out. So ask in advance whether your glass and own-damage cover includes that calibration and whether you may go to a workshop authorised to handle this make.
The second theme is theft. Cars in this segment are stolen to order, often by amplifying the signal from a keyless key, and then disappear across the border. Insurers therefore regularly tie the theft cover to an approved tracking system with a running subscription, or to an additional immobiliser. If such a requirement appears on your policy schedule, it is a condition of cover: if it has not been met, the claim can be refused.
Finally, the use. More often than other cars, an S-Class is driven by someone else or used to carry guests. If a chauffeur drives it regularly, that chauffeur belongs on the policy. If you carry passengers for payment, that falls outside the cover on a private policy and a business solution is needed. What you declare about use and drivers falls under Article 7:928 of the Dutch Civil Code; if practice differs from that, Article 7:930 of the Dutch Civil Code applies.
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What does Mercedes-Benz S-Class car insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Causes beyond your control.
- Fire and storm
- Theft
- Windscreen damage
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.
What does your premium depend on?
- Level of security and tracker. In this segment often a condition of acceptance, including a subscription that can be shown to be running.
- Postcode and parking situation. Theft figures per area weigh more heavily here than on an average family car.
- Specification level and sensor package. More driver assistance systems means higher repair and calibration costs after a collision.
- Circle of drivers. A named chauffeur on the policy is assessed differently from changing drivers.
- Age of the car. On a used car the market value falls faster than the repair costs, which affects the own-damage element.
- Registered to a business or privately. Registration to a business leads to different rating and a different build-up of no-claims.
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.
Calibration is part of the repair
On this car, a replaced windscreen, a removed bumper or a straightened body means that cameras and radar have to be realigned. If that is not done, or not done correctly, the driver assistance systems work inaccurately without your noticing. Have it put on the order that the calibration forms part of the repair and keep the report. On a subsequent claim or on sale, that document is the proof that the work was carried out in full.
Theft and the requirements on your policy schedule
In this class, security requirements appear on the policy not as advice but as a condition: an approved tracking system, a particular alarm class or an additional immobiliser. The associated subscription must be running at the time of the theft. An expired contract is one of the most common reasons for a theft claim to founder. Keep the installation certificate and the latest payment receipts together with the policy, and make sure you can hand over every key.
A chauffeur, lending the car out and carriage for payment
Occasional lending is allowed on most private policies, but there are two limits. If the same person drives it every week, that is a regular driver who has to be named. And as soon as you carry passengers for a payment, even informally for fuel and time, it comes close to paid passenger transport and the cover is not appropriate. Have the actual use assessed in advance rather than after a claim.
What is not covered
Outside the cover are: theft while the security requirement set out in the policy has not been met or while a key has been left in or on the car; paid passenger transport, hire and use as a wedding car or taxi; mechanical defects in the air suspension, rear-axle steering or electronics without an insured event; wear to tyres and brakes; and damage caused intentionally or through reckless driving, for which Article 7:952 of the Dutch Civil Code applies.
Frequently asked questions
This is what people ask us most.
Is calibration after a new windscreen paid for?
That varies from insurer to insurer. On this car the camera for the driver assistance systems sits behind the windscreen and has to be realigned after replacement. Some policies include that in the glass cover; others treat it as a separate repair item with an excess. Ask before you place the order and have the calibration itemised on the invoice.
Is theft covered if the key was indoors?
Theft by amplifying the keyless signal is in principle covered; something has, after all, been stolen. The argument is about the conditions: can you produce all the keys, and did the security meet what the policy states. Keep the key in a shielded pouch and keep the subscription for your tracking system active, otherwise a problem arises after all.
May I have the S-Class driven by a chauffeur?
Yes, provided that chauffeur is named on the policy as a regular driver. If he drives for payment and you also carry clients or guests, it comes close to professional passenger transport and a private policy is not appropriate. Report the arrangement in advance, so that it can be assessed whether a business policy is needed.
When does comprehensive cover still make sense on an older S-Class?
As long as the market value bears a reasonable relation to the premium and the excess together. On this model the market value falls faster than the repair costs, which brings a total loss into view sooner. If finance is still running, the lender usually requires comprehensive cover for as long as it is being repaid. Without finance, third-party, fire and theft is often the better balance on an older car.
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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.