Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to objects
Insuring a Mercedes Benz youngtimer
The youngtimer scheme is a tax scheme; whether your Mercedes of fifteen years or older may also go on a youngtimer policy is decided by the insurer on its own conditions.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
Those two tracks are often confused. In tax terms it concerns a car that is taxed differently in the business from a certain age. In insurance terms it concerns a different type of policy with its own age limits, a mileage restriction and requirements as to storage and the condition of the car. If you do not meet those requirements, ordinary car insurance is what remains, whatever the tax authorities think of your car.
The second point is the value. A W124, W140, R129 or W210 in well-kept condition is worth more on the open market than the market value a valuation model puts on it. Without an arrangement in advance the insurer settles a total loss on that market value. A valuation in advance by a recognised valuer fixes the value; Article 7:960 of the Dutch Civil Code gives such an agreed value its effect, provided the report falls within the period of validity stated on it.
Third point: the state of the bodywork. On a number of series from this period, corrosion is the defining defect, and corrosion is by definition gradual and therefore excluded. A valuer will record that too. If you drive a car of twenty-five years or older, look at classic car insurance; for other makes from the same period there is the BMW youngtimer policy.
Independent, personal, sorted quickly
We compare your youngtimer insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Youngtimer insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
Mercedes-Benz youngtimer: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability + fire and theft
Also, damage to your own vehicle from external causes.
- Theft and burglary
- Fire, storm and hail
- Windscreen damage
- Collision with animals
Comprehensive cover
Including damage to your own vehicle through your own fault.
- Own fault and single-vehicle accident
- Vandalism
- Unknown party at fault
- Total loss
What is covered
| Situation | Third-party liability | Third-party liability + fire and theft | Comprehensive |
|---|---|---|---|
| Damage to another vehicle | Yes | Yes | Yes |
| Theft of your Mercedes-Benz youngtimer | No | Yes | Yes |
| Windscreen damage or stone chips | No | Yes | Yes |
| Storm, hail and fire damage | No | Yes | Yes |
| Driving into a bollard yourself | No | No | Yes |
| Track use, wear and intent | 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?
- Agreed value. The value recorded in the valuation report is the basis for the own-damage premium and the payment.
- Model and body style. A saloon, estate, coupe or roadster from the same period is assessed differently.
- Condition and maintenance history. Rust-free bodywork and a demonstrable service history are a condition of underwriting.
- Mileage band. The agreed maximum number of kilometres a year determines a large part of the discount.
- Storage. A locked garage or shed is usually a hard requirement on this type of policy, not a bonus.
- An everyday car alongside the youngtimer. If you have another car for commuting, the assessment works out more favourably.
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.
The tax scheme as against the policy condition
The fact that your car reaches the age limit of the tax youngtimer scheme gives no right to a youngtimer policy. Insurers apply their own lower age limits, require another car to be available for everyday use and set a maximum number of kilometres a year. If your situation does not meet that, for instance because the car is your only means of transport, you end up on ordinary car insurance with a market value arrangement.
Fixing the value with a valuation in advance
Have a recognised valuer assess the car and record the value in a report with photographs, the odometer reading and a description of the condition. That valued amount operates under Article 7:960 of the Dutch Civil Code as the starting point after a claim, as long as the report is valid. Watch the period of validity stated in it: if it expires and you do not have a revaluation carried out, you fall back on market value after a claim and the advantage is gone.
Mileage, storage and a second car
The lower premium on a youngtimer policy depends on restrictions of use. A mileage band applies, the car usually has to stand in a locked space and you are expected to use another car for commuting. If you regularly drive more or use the Mercedes daily after all, report it. After a claim the insurer tests the declared situation against the actual one, with Article 7:928 DCC as the framework.
What is not covered
Outside the cover remain: corrosion, rusting through and deferred maintenance; wear to the engine, transmission and suspension; damage arising during work on the car, restoration or dismantling; use for payment, such as wedding transport or hire; taking part in runs with timing or in speed events; and additional costs because an original part is no longer available. Exceeding the agreed mileage band can also affect the payment.
Repairs and parts
Rust repairs and scarce parts make repairs more expensive than the market value suggests.
Acceptance differs per insurer
Not every company applies the same policy for this make. With unusual versions, the question is not what it costs but who will accept it.
Frequently asked questions
This is what people ask us most.
When is my Mercedes a youngtimer?
For the tax scheme an age from fifteen years applies. For the insurance that does not count automatically: every insurer applies its own age limits and additional requirements as to use, storage and the condition of the car. So it is possible that your car counts as a youngtimer for tax while the insurer places it on an ordinary car policy with a normal market value arrangement.
Do I need a valuation report?
For a well-kept car that is the only way to fix the value in advance. Without a report the insurer settles a total loss on market value, and that does not do justice to a well-maintained example. A valuation in advance by a recognised valuer records the condition with photographs and the odometer reading, and operates within its period of validity under Article 7:960 of the Dutch Civil Code.
May I drive it every day?
On a youngtimer policy usually not without more. It comes with a mileage band and often the condition that you have another car for commuting. If you do want to use the Mercedes daily, choose ordinary car insurance or discuss a wider band. If you quietly exceed the agreed maximum, that can work against you after a claim.
Is rust damage covered?
No. Corrosion arises gradually and is therefore excluded, even where the rusting through only comes to light after a claim. If it is established during repairs that the bodywork was already affected, those extra works are at your expense. A valuer records the state of the bodywork in the report, which limits argument about the cause afterwards.
Every situation is different. For these situations we have a separate page.
- Compare youngtimer insurance & take out cover at a good priceThe main page
- Insuring a Porsche youngtimerPorsche youngtimer, value over time, security, repair
- Insuring a Porsche 911Porsche 911, value over time, security, repair
- Insuring a BMW youngtimerBMW youngtimer, value over time, security, repairs
- Insuring a Porsche CaymanPorsche Cayman, value over time, security, repair
- Insuring a BMW M3BMW M3, value over time, security, repairs
- Insuring a BMW M4BMW M4, value over time, security, repairs
- Insuring a ChevroletChevrolet, value over time, security, repairs
- Insuring a Porsche PanameraPorsche Panamera, value over time, security, repair
Read more
Ready to compare?
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.