Nationale · compared independently · advice from Finass
Classic car insurance through Nationale-Nederlanden
Whether your car is a classic is decided in three places independently of each other: by the Belastingdienst, by the roadworthiness test rules and by the insurer: and those three thresholds do not coincide.
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 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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
For vehicle excise duty there is an age threshold and a transitional scheme with restrictions on use in the winter months. For the periodic roadworthiness test there is a separate age threshold above which the test obligation falls away. And the insurer applies its own definition in the policy conditions. A car can therefore be a classic for tax purposes and not for insurance purposes, or the other way round.
That difference is not a formality. If your car falls outside the insurer's definition, it goes on an ordinary motor policy with market value as the basis. For a vehicle decades old, that almost always means a payment that has nothing to do with what replacement costs. The fixed or agreed value is therefore the point at which you should read the conditions.
We compare the Nationale-Nederlanden classic car product with the rest of the market on the age definition, the basis of value and the requirements as to technical condition and use. If you mainly drive to events or own several vehicles, look as well at classic car insurance through Hiscox.
Through Finass or direct with Nationale-Nederlanden?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
Third-party liability insurance is compulsory by law and covers damage you cause to others with your car, not damage to your own car.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover, including for damage you cause yourself, theft and total loss. We compare Nationale-Nederlanden's comprehensive version with the market.
Hail damage
Damage through your own fault
Vandalism
Unknown party at fault
What is covered
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Provided it is declared
One point of contact for claims
Yes
Provided it is declared
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
What we do
What we do
At Finass
Direct with Nationale
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether Nationale is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Three age thresholds, three consequences
The tax scheme, the test exemption and the policy definition each apply their own minimum age. If your car falls between them, it can be exempt from testing but not yet insurable as a classic, or conversely fall under the transitional scheme with a riding ban in the winter months. Ask expressly on application which definition the conditions apply, and record the answer.
Exempt from testing is not exempt from maintenance
Once the test obligation falls away, nobody checks the brake lines, tyres and lighting as a matter of course. As far as the insurer is concerned, you remain responsible for a sound technical condition. If damage arises from a defect that would have been visible on normal maintenance, it is often refused as an inherent defect. Have the vehicle inspected periodically and keep the invoices; that is your only evidence afterwards.
Suspending the registration removes more than you think
If you suspend the registration you are no longer under an insurance obligation and you save road tax. But the car may then not go on the public road, not even for a test drive, and on suspension most policies also allow the fire and theft cover to lapse. It is precisely during the storage period that damage occurs. Discuss storage cover if you are not going to use the vehicle for a season or longer.
Where the cover ends
Excluded as standard are damage from corrosion, rust and gradual deterioration, defects arising from deferred maintenance, and damage during work by a garage or restorer. Business use, hire and driving without a valid licence also fall outside the cover. Watch the mileage limit as well: exceeding it is a departure from the application and can affect the payment.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
Year of manufacture of the vehicle. Determines whether it falls under the classic definition in the conditions or belongs on an ordinary policy.
Basis of value. Market value or a value established on the basis of a valuation report makes a great difference.
Agreed annual mileage. Classic car policies assume limited use. The limit chosen feeds through into the premium.
Technical and cosmetic condition. A restored example is assessed differently from an original that is still a project.
How the vehicle is stored. Dry, locked storage lowers the risk of fire, theft and damp damage considerably.
Age and experience of the driver. Many conditions set a minimum age and require a second car for everyday use.
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.
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.
That differs from scheme to scheme. The tax exemption, the exemption from periodic testing and the policy conditions each apply their own age threshold. For the insurance, only what the conditions say counts, usually combined with the requirement that the vehicle is original and not used daily. Ask for that definition before you take out cover.
My classic is exempt from testing. Does that change my cover?
The insurance obligation simply remains. Only the test obligation falls away. What does change is that there is no longer any periodic check on brakes, tyres and lighting. If damage arises from a technical defect, the insurer can rely on an inherent defect or deferred maintenance. Have the vehicle inspected voluntarily, therefore, and keep the report.
Is market value or a fixed value better?
For an old vehicle market value is almost always unfavourable, because the market value of a restored car does not follow from the usual depreciation tables. A valuation report fixes the value and prevents argument after a total loss. Watch the period of validity of that report: if it expires you fall back on market value without being told.
Can I suspend the registration in winter?
You can, and it saves road tax and premium. The drawback is that the vehicle may not go on the public road and that on suspension most policies also allow the fire and theft cover to lapse. If the car is kept in storage with other vehicles, consider separate storage cover so that fire and theft damage remains insured.
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.
