Third-party liability
- Required by law
- As long as the registration is in your name
- Suspend the registration when not in use
Car insurance for the Porsche
Porsche is the only make in this segment with a family car, an electric saloon and a two-seat sports car in the same range, and those three do not belong on the same policy.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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 name of the make says little about the risk. A Macan or Cayenne covers everyday miles with child seats and shopping, a Taycan hangs on the charge point and makes business journeys, and a 911, Boxster or Cayman stands indoors for much of the year and comes out when it is dry. Insurers assess that difference sharply; it is therefore the first question we ask before we request quotations.
What goes wrong then differs from model to model. With the SUVs it turns on parking damage, glass damage and mileage. With the electric models, on the battery pack, the charging cable and the charging equipment at home. With the sports cars, on security, storage and the question whether comprehensive cover is still justifiable on an older car. We have separate pages for the individual models, including the 911, the Macan and the Taycan.
What all the models share is the security requirement. With this make, insurers often require an approved alarm and tracking system and tie the theft cover to it. If the installation does not meet the prescribed class or the subscription to the tracking system has expired, you are left empty-handed after a theft, even though the rest of the policy is in order.
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What does Porsche car insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Causes beyond your control.
- Fire and storm
- Theft
- Windscreen damage
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.
What does your premium depend on?
- Model and body style. An SUV, saloon, coupe and convertible from the same range each produce a different claims picture.
- Drivetrain. A combustion engine, plug-in hybrid and fully electric car are weighed differently, partly because of battery costs.
- Security class and tracker. With this make, an approved installation with a running subscription is often a condition of the theft cover.
- Annual mileage and type of use. A limited allowance on a second car makes a considerable difference, but ties you to the limit you declare.
- Storage. A locked garage as against parking in the street weighs more heavily with this make than with average cars.
- No-claims years and excess. On the models driven every day, this remains the biggest lever you can pull.
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.
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 in practice
Four points that make the difference between a policy that pays out and one that does not.
A name is not a risk profile
The policy that suits an SUV driven every day, with a generous mileage allowance and a low excess on glass damage, is unsuitable for a sports car that covers a few thousand kilometres a year. The other way round, a limited-use arrangement on a family car will run into overruns. So have the cover set up per car and not per make, even where two Porsches stand at the same address.
The theft cover depends on the security
For this make, insurers prescribe a security class, often including a vehicle tracking system with a running subscription. That requirement appears in the policy as a condition: after a theft it is checked whether the system was working and active. It also almost always applies that you must be able to produce all the keys. If a key is missing or the subscription turns out to have expired, there is a good chance that nothing will be paid.
With the electric models the charging chain counts too
Look beyond the car itself. Is the charging cable covered against theft while charging, does the fixed charge point at your home fall under the car or the buildings insurance, and is damage to the battery pack after contact with the ground insured? Loss of capacity through normal use is excluded, because that is degradation and not an insured event. That distinction is by no means described equally clearly on every insurance card (verzekeringskaart).
Two cars at one address
If you drive a sports car alongside the everyday car, there are insurers that offer a limited-use arrangement with a low mileage allowance and a storage requirement. That brings the premium down considerably, but it does tie you to those conditions. If the car unexpectedly goes into daily use for a period, report that; the duty of disclosure under Article 7:928 of the Dutch Civil Code continues during the term and does not apply only when you take out the policy.
Frequently asked questions
This is what people ask us most.
I have two Porsches. Can they go on one policy?
They can be with the same insurer and in the same package, but the cover is set up per vehicle. An SUV driven every day and a sports car with a limited mileage have different types of use, excesses and security requirements. Some insurers have a second-car arrangement under which the no-claims years of the first car carry through. We ask about that specifically when comparing.
What happens if my tracking system was not active at the time of the theft?
A condition of the policy has then not been met and the insurer can refuse or reduce the payment. The security class and the associated subscription are stated as a requirement for a reason. Check at renewal whether the subscription is still running and keep the installation certificates. Also make sure you can produce all the keys, because that too is almost always a condition.
Is the home charger insured under the car policy?
Usually not. A permanently fitted charge point at your home is more often placed under buildings insurance, while a loose cable sometimes is and sometimes is not on the car policy. Ask about both points expressly, because where a cable is stolen during charging, insurers are apt to point at one another. We record that dividing line in writing before the policy is taken out.
My sports car stands idle in winter. Can the premium come down?
Yes, through a limited-use arrangement with a low mileage allowance and a storage requirement, or by suspending the registration during a long period of standing. Note what suspension means: the third-party liability cover lapses and the car may not go on the public road. Damage in storage, such as fire or theft, is then only covered if you deliberately keep the own-damage cover running.
Every situation is different. For these situations we have a separate page.
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
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.