With a Dacia the insurance question turns on one balance: from what point does the own-damage premium no longer outweigh the market value paid out in a total loss.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Dacia deliberately builds its models simply and sells them at the lower end of the market. That works through into the policy: the market value falls from an already low starting point, and it is precisely that market value on which the insurer settles in a total loss. Own-damage cover therefore protects an ever smaller amount, while the premium and excess stay the same. The question is not whether comprehensive cover is wider, but whether the payout you can expect still justifies the cost.
On the other hand, small claims on this make often stay out of the picture. Bodywork, mirrors and lamps are cheap and widely available, so that a repair regularly comes out just above the excess. If you do report that claim, you lose no-claims years and your step drops. Counted over a number of years you then still pay for the repair yourself, but through the premium.
On a Sandero, Duster or Jogger with LPG or Bi-Fuel system, make sure the installation is on the registration and on the policy. A tank fitted later that you do not declare touches the duty of disclosure under Article 7:928 of the Dutch Civil Code; in a fire or explosion claim the insurer can rely on Article 7:930 of the Dutch Civil Code. The electric Spring calls for its own assessment; see the general car insurance page.
The structure of the cover in three parts, with an overview per situation below.
Compulsory by law
Third-party liability insurance
Damage you cause to others with the vehicle. Not your own vehicle.
Damage to other vehicles
Injury to third parties
Damage to objects
Most chosen
Third-party liability + fire and theft
Also, damage to your own vehicle from external causes.
Theft and burglary
Fire, storm and hail
Windscreen damage
Collision with animals
For higher values
Comprehensive cover
Including damage to your own vehicle through your own fault.
Own fault and single-vehicle accident
Vandalism
Unknown party at fault
Total loss
What is covered
Situation
Third-party liability
Third-party liability + fire and theft
Comprehensive
Damage to another vehicle
Yes
Yes
Yes
Theft of your Dacia
No
Yes
Yes
Windscreen damage or stone chips
No
Yes
Yes
Storm, hail and fire damage
No
Yes
Yes
Driving into a bollard yourself
No
No
Yes
Track use, wear and intent
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.
When own-damage cover no longer outweighs the cost
In a total loss, own-damage cover pays the market value, less the excess and the residual value of the wreck. On a Dacia that has been on the road for a few years, the annual premium for comprehensive cover takes up a considerable share of that amount. Work that relationship out before you renew. If you can absorb a total loss out of your own funds, third-party liability or third-party, fire and theft is defensible. If there is still finance on the car, it is not.
An economic write-off after an ordinary collision
A collision in which an airbag deploys or in which a door and pillar deform quickly costs more in labour and parts than the car is worth. The insurer then declares the car an economic write-off and pays the market value, not the repair. You do not decide yourself that it should be repaired after all. Bear in mind that you rarely buy an equivalent used car back for that amount, certainly not in a tight market.
Declaring an LPG installation, towbar and accessories
A Bi-Fuel installation, a towbar fitted later, roof bars or a roof rack belong on the policy and, where necessary, on the registration. If you conceal an LPG installation, that touches the duty of disclosure under Article 7:928 of the Dutch Civil Code and payment for fire damage can be refused under Article 7:930 DCC. The use also counts: if you use the car for parcel or meal delivery, declare that to the insurer in advance.
What is not covered
Outside the cover remain: wear, deferred maintenance and floor sections rusted through; damage from putting in the wrong fuel and the consequential damage to the pump and injectors; damage during hire, driving lessons or delivery work that has not been declared; an unreported LPG installation; and damage arising while the driver does not hold a valid licence. Anything below the excess is also not paid, however often the same damage recurs.
Repairs and parts
Parts are cheap, so small claims often stay below the excess.
Acceptance differs per insurer
Not every company applies the same policy for this make. With unusual versions, the question is not what it costs but who will accept it.
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 depends on the market value and on your financial room. As long as a total loss would land you in difficulty, or as long as there is finance on the car, own-damage cover is defensible. Once the market value falls below an amount you can spare yourself, comprehensive cover mainly produces premium and little payout. Set the annual premium plus excess alongside the payout you can expect.
What will I be paid if the vehicle is a total loss?
The market value at the time of the claim, less the excess and less the residual value of the wreck if you keep it. Not the new price and not the repair costs. On a young car a purchase price arrangement may apply for a limited period. Check whether it is on your policy and what conditions and time limits attach to it.
Do I have to declare an LPG system?
Yes. The installation belongs on the registration and on the policy. If you do not declare it, you breach the duty of disclosure under Article 7:928 of the Dutch Civil Code and the insurer can reduce or refuse payment under Article 7:930 DCC, particularly for fire and explosion damage. The same applies to a towbar or an installation fitted later.
Am I better off paying small damage myself?
Often you are. Parts for a Dacia are cheap, so a mirror, headlamp or bumper sometimes comes out just above the excess. If you report such a claim, you lose no-claims years and pay a higher premium for several years. First get a repair estimate and set it alongside your excess and the effect on your step.
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.
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