NH1816 · compared independently · advice from Finass
Classic car insurance through NH1816
A classic car policy is cheaper than an ordinary motor policy because conditions on use are attached to it, and it is precisely those conditions that decide whether you are paid after a loss.
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
Classic car insurance is not an ordinary motor policy with a discount. It is a separate form that assumes limited and careful use: a car that covers few miles, is kept in dry storage and is not used to commute. The insurer therefore accepts a lower risk, and that assumption appears as a condition in the policy.
The age threshold at which a car is accepted as a classic differs by insurer and is not the same as the tax threshold. The requirement that you also have an everyday car registered in your name appears at one company and not at another. NH1816 applies its own acceptance rules. We test whether your car and your use actually fit them.
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 NH1816'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 NH1816
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 NH1816 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.
The mileage ceiling is a hard limit
Virtually every classic car policy sets a maximum number of miles per year. If you exceed it, cover is not automatically lost, but the insurer can fall back on the declaration you made on the application. Keep a note of the odometer reading, therefore, and report it if your use changes. If the car grows into everyday transport, an ordinary motor policy is the honest answer.
Commuting and business use are excluded
The low premium rests on the assumption that the car is driven for pleasure. Driving to work every day, using the car for your business or hiring it out as a wedding car falls outside the cover. Even carrying guests for payment now and then counts as business use. If you want to use the car commercially, a different form of policy is needed; reporting it afterwards no longer helps.
Storage and maintenance are set out in the conditions
A classic car belongs in dry, locked storage. The storage location you declare is part of the risk accepted. If you move the car to a carport or to the public road, that risk changes. That touches the duty of disclosure under Article 7:928 of the Dutch Civil Code. Wear, rust, corrosion and defects resulting from deferred maintenance fall outside any own-damage cover in any event.
Third-party or own-damage: with a classic car a real choice
On a modern car own-damage cover is often taken for granted. On a classic car it is not. Repairs are carried out by a specialist, parts are scarce and the car covers few miles. Some owners deliberately choose third-party plus fire and theft and carry the bodywork risk themselves. That choice stands or falls on whether you could have the car repaired yourself after a collision without the insurance.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
Age of the vehicle. Every insurer applies its own lower limit above which a car is accepted as a classic.
Mileage declared. The annual ceiling is the heart of this form of policy and bears directly on the premium.
Storage location. Locked, dry storage is a condition of acceptance at most providers, not merely a discount factor.
Valuation arrangement. Market value or a value established in advance on the basis of a valuation report determines what you receive on a total loss.
Second car in your name. If you also have an everyday car, that supports the limited use of the classic.
Age and experience of the driver. Who is allowed to drive counts. A limited circle of drivers is weighed differently from an open arrangement.
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.
The insurer decides that itself and it stands apart from the tax rules for vehicle excise duty. The thresholds are not the same at every provider, and some apply an intermediate category for younger classics. We test your year of manufacture against the acceptance rules of several providers, so that you do not run into a refusal after you have already bought the car.
Do I need a valuation report?
For own-damage cover it is in practice indispensable. Without a recorded value the insurer works with market value on a total loss, and for a classic car that is hard to establish objectively. A valuation fixes the value in advance under Article 7:960 of the Dutch Civil Code. Reports have a limited period of validity; arrange a revaluation in good time, particularly after a restoration.
May I drive my classic to work now and then?
Occasional use is usually no problem, regular commuting is. The latter is generally excluded, because it breaks the assumption underlying this form of policy. If you drive the car more often than intended, report it. An amended policy is cheaper than an argument about whether you declared your use correctly once the damage has been done.
Is my classic insured during a restoration?
A car lying in pieces is not a running vehicle. Own-damage cover on parts standing loose in the workshop is often limited or absent, and damage caused during work by a third party belongs with that party's liability. Report a lengthy restoration in advance, so that fire and theft cover is arranged at the right location.
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.
