Car insurance through NH1816
A car policy is not a one-off decision. Most arguments at claim stage come from something that was not passed on at the application stage or afterwards.
- 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
The application is the moment at which the cover is determined. Under Article 7:928 of the Dutch Civil Code you have to declare everything the insurer asks about: your claims history, any earlier refusal or cancellation by an insurer, a criminal record within the period asked about, who drives the car most, and what the car is used for. If that picture is not accurate, the insurer can, under Article 7:930 of the Dutch Civil Code reduce or refuse the payout, even years later. NH1816 is one of the insurers with which we can place an application.
Once the policy is in place it simply runs on, but your situation does not. Moving to a different postcode, a car of a different value, a child who starts driving, working from home so that your annual mileage falls: these are all details the premium is based on. An increase in risk that you do not report can affect your cover. A reduction in risk that you do not report only costs you money. So pass on both.
Two things matter with the term itself. After the first contract year, most car policies can be cancelled on any day at short notice, so that you can switch without a single day without cover. And a claim feeds through into your no-claims years: these are registered centrally and go with you to the new insurer when you switch. What a claim does to them is explained under no-claims years and no-claims discount.
This page deals with one situation. The full overview is on Compare car insurance.
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Get coveredWhy 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.
What to look out for
Four moments at which you have to act to keep the cover in place.
The regular driver
The premium is calculated on the person who uses the car most often. If the policy is in a parent's name while a young driver uses it every day, that counts as an incorrect declaration of the regular driver. After a claim that can lead to a reduced payout or cancellation of the policy. It is better simply to name young drivers on the policy.
Changes you have to report
A different car, a different address, letting your car through a sharing platform, using it for delivery work or fitting accessories are all changes you are obliged to report. Above a limit stated in the conditions, accessories and non-factory modifications are only covered if they have been expressly declared.
What falls outside every car policy
Excluded are damage caused intentionally under Article 7:952 of the Dutch Civil Code, driving without a valid licence or under the influence, and taking part in competitions and circuit driving. There is also never cover for wear and tear and maintenance, for loss of value after repair, or for damage that arises because you keep using the car despite a known defect.
Cancelling and switching
Never cancel yourself before the new policy has been definitively accepted. A single day without cover means driving uninsured, and that is contrary to Article 2 of the Dutch Motor Insurance Liability Act (WAM). When you switch, the new insurer requests your no-claims years from the old one. Keep the cancellation statement, because that is your evidence if the registration turns out to be different.
What does your premium depend on?
- Age and driving experience of the driver: the regular driver is decisive
- No-claims years: built up and registered centrally
- Type and value of the car: including declared accessories
- Postcode: theft and claims figures by region
- Use of the car: private use, commuting or business use
- Payment frequency and excess: both affect the annual amount
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party, fire and theft | Comprehensive |
|---|---|---|
| A branch falls on your parked car during a storm | Yes | Yes |
| You drive into a concrete post yourself while parking | No | Yes |
| Your car is scratched in the car park and the culprit is unknown | No | Yes |
| A marten bites through the wiring loom and the car will not start | Provided that | Provided that |
| You come off a slippery road and end up in the ditch | No | Yes |
| You put petrol in a diesel car and the engine seizes | No | No |
Damage to someone else's car goes through the compulsory third-party cover in both cases. These columns are about your own car.
Frequently asked questions
This is what people ask us most.
What happens if I have forgotten to disclose something?
That depends on what was withheld, and on whether the insurer would have accepted the policy on different terms, or not at all, had it known. Article 7:930 of the Dutch Civil Code works on a sliding scale: from payment in full, through a proportionate reduction, to no payment at all where there was an intent to mislead. If you spot an omission yourself, report it even at this stage. Correcting things afterwards is almost always better than sitting tight.
My son drives my car now and then. Does that have to go on the policy?
The occasional trip is not a problem with most insurers, but regular use is. If he drives weekly or daily, he is in fact the regular driver, or at the very least a named driver, and that has to be on the policy schedule. If you report it, you pay a higher premium; if you do not, you risk carrying the whole loss after a collision.
Can I switch while my contract is still running?
After the first year, car insurance can usually be cancelled on any day with one month's notice. Within the first contract year you are normally tied in, unless the insurer changes the conditions or the premium during the term. We do not arrange the cancellation until the new insurer has accepted you, so that no gap in cover arises.
Where do I find exactly what my policy covers?
In the policy conditions that go with your policy schedule, plus the special clauses on the schedule itself. The insurance card (verzekeringskaart) gives a summary of the main points, but it is not the legal text. How to read those documents and compare them is explained under reading insurance cards and finding your policy conditions.
Every situation is different. For these situations we have a separate page.