Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to objects
Insuring a Porsche youngtimer
A youngtimer policy is not cheaper motor insurance but a policy with conditions of use, and you have to comply with those conditions all year round.
- several insurers compared objectively
- 9.5 customer rating for a new policy
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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
Insurers offer a youngtimer rate for cars from about fifteen years old, but set requirements in return. The usual set: an agreed maximum number of kilometres a year, another car for everyday transport, a minimum age for the driver and storage in a locked space. Those points appear as a clause on the policy. They are not guidance but a condition of cover; anyone who ignores them only finds out when they claim.
The second difference lies in establishing the value. For a Porsche in this age bracket, the market value from a price guide says little, certainly where the car has been well maintained or partly restored. A valuation report from a recognised valuer fixes the value in advance. Keep invoices for overhaul work and photographs, because they support the report. An insurer does not pay out more than the loss actually suffered; that follows from Article 7:960 of the Dutch Civil Code.
Third: the repair. Parts for older generations are not always available new and the insurer may then use second-hand or reconditioned parts. Establish in advance whether that is allowed. For other makes in the same age bracket, see the BMW youngtimer and the Mercedes-Benz youngtimer.
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Porsche youngtimer: what is covered?
The structure of the cover in three parts, with an overview per situation below.
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
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 Porsche youngtimer | 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.
What does your premium depend on?
- Year of manufacture and model. Which generation it is and whether it is a coupé, convertible or SUV from the range.
- Agreed value. The value from the valuation report is the basis for calculation, not the price guide value.
- Agreed annual mileage. The lower the agreed maximum, the keener the rate, and the stricter the check when you claim.
- Storage. Youngtimer policies generally require a locked garage or lock-up, not the public road.
- Age and experience of the driver. There is almost always a minimum age and a requirement that another car is available for daily use.
- Type of cover and excess. Third-party liability, third-party fire and theft, or own-damage cover based on the agreed value, with the excess that goes with it.
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.
The restriction on use is a condition of cover
The policy states a maximum annual mileage and usually the requirement that you have a second car for commuting. If you nonetheless drive the youngtimer to the office every day, you are acting contrary to the clause. The insurer can request the odometer reading when you claim and compare it with earlier inspections or services. If there is a discrepancy, reliance on Article 7:930 of the Dutch Civil Code may follow and the payment is reduced or refused.
A valuation fixes the value
Have the car valued by a recognised valuer before the policy starts. The report describes the condition, the originality and the work carried out, and states a value the insurer will hold to when you claim. Insurers set a period of validity and require a fresh valuation afterwards. If you let that lapse, you fall back on market value. Alongside the report, keep the invoices for engine overhaul, paintwork and chassis work.
Parts, repair and originality
For the generations now in the youngtimer bracket, not all parts are available new. When you claim, that raises the question of whether used or reconditioned parts may be used and who chooses the repairer. Agree that in advance. Also be alert to diminution in value: a repair with a non-original part can make the car technically roadworthy again and at the same time reduce its value, and that difference is not automatically included in the payment.
What is not covered
Outside the cover: rust, wear and defects caused by deferred maintenance; mechanical failures such as a defective clutch, timing gear or gearbox with no event from outside; damage arising while you work on the car yourself or during dismantling; taking part in circuit days, timed rallies and training; hire or use as a daily rental car; and exceeding the agreed mileage.
Repairs and parts
Parts are available only in limited numbers, which lengthens repair times.
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.
Frequently asked questions
This is what people ask us most.
From what age does my Porsche qualify?
Most insurers use fifteen years as the lower limit for a youngtimer rate, but that limit differs from company to company and sometimes by model. Above a higher age the classic car arrangement comes into view, with different conditions again. We put the car to several insurers, because acceptance policy for this make varies from provider to provider.
Is a valuation report compulsory?
For own-damage cover on a youngtimer, insurers generally ask for one. Without a report you fall back on market value when you claim, and that rarely does justice to a well-maintained example. The report has a limited period of validity; have it renewed in good time. An amount higher than the loss actually suffered is not paid out in any event.
What happens if I drive more kilometres than agreed?
Report it as soon as you see it coming, and the mileage can be adjusted for a higher premium. If the insurer only discovers the excess when you report a claim, for example from the odometer reading at the last inspection, the payment can be reduced or refused for failure to comply with the clause.
Is a failed engine or gearbox covered?
No. Own-damage cover pays for damage caused by an event from outside, such as a collision, fire, theft or storm. A mechanical failure that arises from within falls outside it, even where the repair is expensive. The same goes for rust and for the consequences of deferred maintenance. Only where the failure results from an insured event does it qualify.
Every situation is different. For these situations we have a separate page.
- Compare youngtimer insurance & take out cover at a good priceThe main page
- Insuring a BMW youngtimerBMW youngtimer, value over time, security, repairs
- Insuring a Mercedes Benz youngtimerMercedes-Benz youngtimer, value over time, security, repairs
- Insuring a Porsche 911Porsche 911, value over time, security, repair
- Insuring a Porsche PanameraPorsche Panamera, value over time, security, repair
- Insuring a Porsche MacanPorsche Macan, value over time, security, repair
- Insuring a Porsche CaymanPorsche Cayman, value over time, security, repair
- Insuring a BMW M3BMW M3, value over time, security, repairs
- Insuring a CorvetteCorvette, value over time, security, repairs
Read more
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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.