third-party liability cover
- Required by law under the WAM
- Injury and property damage to third parties
- Your own vehicle is not included
Insuring your motor vehicle online
Every registered motor vehicle must have at least third-party liability cover. Arranging it online is quick, but the form does determine what you will be covered for.
- 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
Motor vehicles are subject to a statutory insurance requirement: Article 2 of the Dutch Motor Insurance Liability Act (WAM) obliges the registered keeper to hold at least third-party liability cover. That obligation continues as long as the registration is in your name, even when the vehicle is not in use. If you are not using it for a time, you can have the registration suspended with the RDW (the Dutch vehicle authority). Only then does the obligation lapse.
Taking out cover online means you answer the acceptance questions yourself: registration number, main driver, use, mileage, storage address and no-claims years. Those answers form the basis of the contract. If you then choose between Third-party liability, Third-party liability plus third-party, fire and theft or comprehensive cover, that only determines the damage to your own vehicle; third-party liability is included in every form. If you are unsure about an unusual vehicle or unusual use, have it checked beforehand.
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What you record online
Three choices together determine your premium and your cover.
Third-party, fire and theft, or comprehensive
Cover for damage to your own vehicle.
- Third-party, fire and theft: theft, fire, glass, storm
- Comprehensive: also your own fault and collisions
- For older vehicles, market value is a factor
Driver and use
The answers on the form determine whether you will be covered.
- Enter the regular driver correctly
- Declare business use separately
- No-claims years come from Roy-data
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| Damage you cause to another vehicle or person | Yes | Yes |
| Damage to your own vehicle through your own actions | No | Yes |
| Theft, fire and glass damage | No | Yes |
| Damage to a coupled trailer | Provided that | Provided that |
| Driving without a valid licence or under the influence | No | No |
| Taking part in speed competitions or track days | No | No |
What is actually covered, including the excess and the exclusions, is set out in the policy conditions and the insurance card (verzekeringskaart) you receive before taking out cover.
What does your premium depend on?
- Type of vehicle: car, motorcycle, motorhome or moped
- Type of cover: third-party liability, third-party, fire and theft, or comprehensive
- No-claims years: registered in Roy-data
- Age and experience of the driver: young drivers pay more
- Postcode and where the vehicle is kept: theft and damage risk
- Mileage and use: private or business
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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 online
Two points that determine whether the policy you take out online stands up when you claim.
Your answers are the policy
If you take out cover online, you make the declaration yourself. If there is an incorrect regular driver, too low a mileage, or private use when you drive for business, the premium does not match the risk. When taking out the policy, the duty of disclosure under Article 7:928 of the Dutch Civil Codeapplies; if the declaration turns out to be incorrect, the insurer may reduce or refuse the payout (Article 7:930 of the Dutch Civil Code). Check the policy schedule as soon as you receive it, therefore.
Not every vehicle fits a standard form
An import, a conversion, a youngtimer, an adapted van or a vehicle with a valuation report often falls outside online acceptance. The same applies to hire and paid passenger transport are excluded as standard, as are driving under the influence and speed contests. Intent and recklessness remain excluded under Article 7:952 of the Dutch Civil Code. Report a claim as soon as reasonably possible (Article 7:941 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Is a policy taken out online just as valid?
Yes. An insurance contract concluded at a distance is an ordinary insurance contract with the same rights and obligations. You receive the policy schedule and the conditions digitally, and for distance contracts a fourteen-day cooling-off period normally applies. The difference lies not in validity but in who completes and assesses the acceptance questions.
When does the cover start?
On the start date stated on the policy schedule, and only once the insurer has accepted the application. Retrospective cover does not exist: if you drive before then, you drive uninsured. Arrange the insurance before the registration is transferred, therefore, particularly if you want to use the vehicle straight away.
Do I have to insure the vehicle even when it is not in use?
As long as the registration is in your name, the insurance requirement under the WAM applies, even when the vehicle is in the garage. If you want to end that obligation temporarily, you suspend the registration with the RDW. A suspended vehicle may not be parked or driven on the public road; own-damage cover during suspension is also often limited.
Can I insure any vehicle online?
No. Standard forms are designed for common vehicles with ordinary registration. Imports, conversions, classic cars, adapted commercial vehicles and vehicles with a valuation report require manual acceptance. A claims history also often leads to the system declining, whereas an adviser can find a suitable company.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
- Insurance for trafficCompulsory third-party liability, own-damage cover, legal expenses
- Which insurance is compulsory?Registration, Article 2 WAM, health insurance
- Insuring your carThird party, own damage, additional cover
- How car insurance works in the NetherlandsInsurance obligation, types of cover, claims handling
- Car insurance for expats in the NetherlandsBSN, no-claims years, driving licence
- Finass Verzekert and taking out insurance onlineApplying online, advice, AFM authorisation
- What you need to know about car insurance in the NetherlandsRegistration requirement, liability, reporting a claim
- Taking out insurance onlineApplication, acceptance, cooling-off period
Read more
Prefer to have it checked first?
Request a quote without obligation. We check the use, the driver and the type of cover before the policy starts.
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.