With Nissan, two very different questions come together: that of the family SUV with changing drivers, and that of the electric models where the battery pack determines how a claim is settled.
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
Nissan has been in the electric field for a long time and also supplies petrol models and versions in which a combustion engine only generates electricity. For insurance that distinction matters: weight, repair costs and the likelihood of a total loss differ per drivetrain, even within the same body.
The second strand is family use. Models such as the Qashqai and the X-Trail are driven by several people, with child seats in the back and belongings in the boot. There it turns on the question of who has been declared as the regular driver and what happens if someone other than the declared driver covers most of the kilometres.
If you are looking for a comparison within the same segment, the pages on Kia and Volvo are closest to this make.
The structure of the cover in three parts, with an overview per situation below.
Compulsory
Third-party liability
Damage you cause to others.
Required by law
As long as the registration is in your name
Suspend the registration when not in use
Third-party liability plus
Third-party, fire and theft
Causes beyond your control.
Fire and storm
Theft
Windscreen damage
Comprehensive cover
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
What the policy does and does not regard as damage to a battery
If the battery pack loses capacity after some years, that is wear and not insured damage; no own-damage policy pays for declining range. If the pack is damaged by a collision, fire, flooding or an impact from outside, that does fall under the own-damage cover. A fault in the charging electronics without an external cause is likewise a warranty or maintenance matter and not a claim.
Charging on the road and at home
If the charging cable is cut through and taken while the car is charging, most policies cover that only where the cable was connected to the car at the time. A spare cable in the boot falls under personal belongings and is covered only to a limited extent, or not at all. A charging point at your home belongs with buildings insurance (opstalverzekering); misuse of a stolen charge card is a payment matter, not damage to the car.
Several drivers in a family car
Declare who drives the car most and not just who pays for the policy. If a young driver in fact covers most of the kilometres while a parent is named as the regular driver, the insurer can, when there is a claim, rely on Article 7:930 of the Dutch Civil Code and pay proportionately. Loose belongings in the car, from a child seat to a bag, are rarely insured with it.
Why an electric car is written off sooner
The battery pack represents a large part of the value. Damage to the floor or to the housing therefore leads sooner to a finding that repair no longer outweighs the value. Because of Article 7:960 of the Dutch Civil Code you never receive more than your actual loss, so with an electric car it is all the more important to know which valuation scheme your policy contains.
What does your premium depend on?
Drivetrain. Petrol, hybrid or fully electric leads to a different claims burden and a different rating.
Battery capacity and weight. A larger battery pack increases the weight and with it the weight class the vehicle falls into.
List price. The price bracket of the version, including factory-fitted options, forms the basis for the calculation.
Regular driver. The age, driving experience and no-claims years of whoever in fact uses the car most.
Annual mileage. The number of kilometres a year declared, which is checked against the odometer reading when there is a claim.
Cover and excess. Third-party liability, third-party, fire and theft or comprehensive cover, plus the excess you bear yourself per event.
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.
No. Loss of capacity through use and ageing is wear and falls outside every own-damage cover. The manufacturer's warranty is there for that, and often promises a minimum remaining capacity within a certain period. The insurance only steps in where the pack is damaged by something from outside, such as a collision, fire or flooding.
What if my charging cable is stolen while charging?
Most policies pay for that, on condition that the cable was connected to the car at the time and you report it to the police. If the cable is lying loose in the boot, it falls under personal belongings and a low limit often applies, or no cover at all. Check that provision before you buy a second cable.
Why is my electric car written off sooner?
Because the battery pack represents a large part of the replacement value. If the floor or the housing of the pack is damaged, the repair costs are soon higher than what the car is worth at that moment. The expert then declares the car a total loss and payment is made according to the valuation scheme in your policy.
May my son or daughter drive the car?
Occasionally, usually yes, but whoever in fact covers most of the kilometres must be named on the policy as the regular driver. If that is not right and damage occurs, the insurer may adjust the payment to the premium that matched the actual risk. Some policies also apply a higher excess for young drivers.
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.
