Car insurance
Choose WA, WA+ or Allrisk. Also interesting for electric cars, hybrids and second cars.
Finass Insures
Compare & calculate Traffic insurance: the right coverage for every vehicle
Verkeersverzekeringen bieden financiële bescherming tegen schade aan uw auto of andere voertuigen als gevolg van ongevallen, diefstal of vandalisme. Via Finass Insures vergelijkt u eenvoudig de belangrijkste opties en kiest u de dekking die past bij uw situatie: WA, WA+ (Limited Airframe) or All-risk (complete hull).
Choice: WA / WA+ / Allrisk Personal Contact Damage Assistance Compare multiple insurers
Please note: the exact coverage, acceptance requirements and maximums differ per insurer and policy conditions. Finass Verzekert helps you to clearly compare this.
Insuring traffic in short
- Legally required: a minimum WA requirement is required for vehicles on public roads.
- More security: WA+ and Allrisk offer extra coverage (depending on the policy) for, among other things, theft/fire/storm and personal damage.
- Customization: vehicle type, value, use, place of residence and claim-free years influence premium and conditions.
- Everything in one overview: car insurance, van, youngtimer, scooter, moped, motorcycle, camper, caravan, truck and mobility scooter.
All traffic insurance (menu ads – traffic)
Below are all traffic products from the traffic menu (ads). Click through to the specific page for explanation, coverage, points of interest and actions.
Van insurance
For private or business use. Pay attention to acceptance, mileage and theft conditions.
Yoyoungtimer
Often tailor-made: coverage, value (current value/appraisal) and use are decisive.
Scooter insurance
For scooter/moped: WA mandatory. Consider WA+ or Allrisk for higher values.
Moped car
45 km car / microcar. Please note: different vehicle category than a normal car.
Motorcycle insurance
Theft/security, accessories and (optional) roadside assistance, legal assistance, passengers.
Camper (camping car)
For travel and storage. Consider furnishings/equipment and purchase value arrangement.
Caravan insurance
Damage to the caravan itself (storm/hail/theft) is usually not covered by third-party insurance.
Truck
For (private) use or customization: coverage, use and additional modules.
Mobility scooter
Specific coverage for mobility scooter/segway; choose appropriate for use and risk.
Are you missing a vehicle type (e.g. trailer, quad/trike/MP3, bicycle insurance) or do you want multiple vehicles in one package? Contact us for customization.
Coverages explained: WA, WA+ (limited hull) and Allrisk
WA (Third Party Liability)
The mandatory basic coverage. Reimburses damage caused to you with the vehicle others caused (injury/property damage). No coverage for damage to your own vehicle.
- Mandatory for motor vehicles on public roads.
- Usually the cheapest premium.
- Logical for lower value or older vehicles.
WA+ (Limited Airframe)
Third party liability with extras (policy dependent), common theft, fire and storm/hail. Popular for medium value or higher theft risk.
- Please note: conditions vary greatly per insurer.
- Security/storage may have an influence.
- Deductible varies per type of damage.
All-risk (complete hull)
Most complete coverage (policy dependent). This often also causes damage to your own vehicle own fault. Interesting for newer, expensive or financing vehicles.
- Check benefit arrangement (new value/current value/appraisal).
- Specify accessories and extras carefully.
- Compare premium and policy details.
Additional coverage (optional)
Depending on the product and insurer, you can expand, for example with:
- Passenger insurance (personal injury and/or damage to personal belongings).
- Traffic legal aid (legal assistance in traffic conflicts).
- Roadside assistance (on the road and sometimes home service).
- Accessories/equipment (extra value, conversion, audio, camper equipment).
Which additions are useful depends on value, use, driver(s) and your risk appetite.
Abroad, use & acceptance
Many policies have specific provisions around:
- Foreign coverage (area of validity and green card rules).
- Usage (private, commuting, business, rental, couriers, intensive use).
- Directors (age, claim-free years, regular drivers).
- Security (especially for theft-prone vehicles).
Tip: be complete and correct when entering usage; incorrect information may have consequences in the event of damage.
Step-by-step plan: how to choose the right traffic insurance
1) Determine the vehicle & use
- Type of vehicle (car, motorcycle, microcar, camper, etc.).
- Private/business, mileage, storage.
- Drivers (age, experience, claim-free years).
2) Choose coverage
- WA (minimum mandatory).
- WA+ in case of theft/fire/storm risk (policy dependent).
- All risk for higher values or newer vehicles.
3) Compare terms
- Deductible, benefit arrangement, recovery choice.
- Theft conditions & security requirements.
- Foreign coverage and additional modules.
Do you want to do this quickly and properly, without missing any small print?
Traffic insurance comparison checklist
| Point of comparison | Why important | What to pay attention to |
|---|---|---|
| Coverage | Is the insurance appropriate for value and risk? | WA vs WA+ vs Allrisk; What exactly is insured (depending on the policy)? |
| Own risk | Influence on premium and costs in case of damage. | Sometimes varies per damage (theft/window damage/collision). |
| Benefit | Major effect in case of total loss or theft. | Current value/new value/appraisal, depreciation, conditions. |
| Theft conditions | Common risk with, among others, scooter/motorcycle and some cars. | Security requirements, storage, reporting periods, declaration. |
| Usage & drivers | Acceptance and premium depend heavily on usage. | Private/business, commuting, couriers, age, claim-free years. |
| Additions | Extra security where necessary. | Passengers, legal assistance, roadside assistance, accessories/equipment. |
Practical advice: test at least two coverages (e.g. WA+ and Allrisk) when calculating and then compare deductible, theft conditions and benefit scheme.
Frequently asked questions about traffic insurance
Which traffic insurance is mandatory?
For motor vehicles on public roads there is at least one Third party insurance obliged. Additional requirements may apply to some vehicles/uses. If in doubt, Finass Verzekert will help you record this correctly.
What is the difference between WA, WA+ and Allrisk?
WA covers damage you cause to others. WA+ (limited hull) adds extra coverage for certain events such as theft/fire/storm (policy dependent). All risk (full hull) is the most complete and often also covers damage caused by your own fault (depending on the policy).
When does Allrisk make sense?
Allrisk often fits in newer or precious vehicles, vehicles with financing/lease or when you want maximum security. Always compare the benefit scheme (new value/current value/appraisal) and deductible.
Why is moped insurance different from car insurance?
A moped (45 km car/microcar) falls into a different vehicle category than a passenger car. As a result, different rules and sometimes different acceptance and coverage conditions apply. It is important that the vehicle is correctly insured as a moped.
How does value/appraisal work for youngtimers?
For youngtimers, the value determination (current value or appraisal) and use (private/business, mileage) can determine the premium and coverage. Have it clearly stated in advance how the insurer will pay out in the event of theft or total loss.
What information does Finass Verzekert need for a quote?
Usually: vehicle details (make/type/year of manufacture/value), use (private/business, kilometers), drivers, place of residence, claim-free years and desired coverage (WA/WA+/Allrisk) plus any additions (occupants, legal assistance, roadside assistance, accessories). Security/storage may also be relevant for vehicles that are susceptible to theft.
Can I insure multiple vehicles together?
This is often possible via a package or customized solution. This can provide overview and sometimes benefit. Contact us for a proposal that suits your situation.
Insure traffic through Finass Verzekert
Wilt u snel duidelijkheid over premie, Conditions en dekking voor uw voertuig(en)? Start met vergelijken/berekenen of vraag gericht een offerte aan. Wij helpen u de juiste keuze te maken — en ondersteunen bij schade van melding tot afwikkeling.
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You are not directly committed to anything; final acceptance depends on the insurer and the information provided.
