Private lease · compared independently · advice from Finass
Private lease insurance & sensible top-ups
With a private lease, comprehensive cover is usually already included in your monthly payment — but often with a high excess and without occupants' cover. Finass Verzekert arranges the sensible top-ups and compares several insurers. Independent advice — AFM-registered and a member of Kifid.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
With a private lease you lease a car as a private individual for a fixed amount per month, including maintenance, road tax and comprehensive motor insurance. The insurance is therefore usually already included in your monthly payment. Even so, many private lease drivers run into two things: a high excess when there is a claim and the absence of occupants' cover. Additional private lease insurance fills exactly those gaps.
At Finass Verzekert we look independently at which top-ups are worthwhile for you and compare more than 30 Dutch insurers. That allows you, for example, to reduce the excess under your lease contract and arrange occupants' or personal accident cover — at a keen premium and without ending up insured twice.
The comprehensive cover included as standard covers damage to the car, but with a private lease the excess can run to a substantial amount per claim. Injury to the driver and occupants is also often not covered. With a targeted top-up you pay less yourself when there is a claim and you and your passengers are better protected.
What does private lease insurance & sensible top-ups cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
The legally required basic cover. With a private lease you receive comprehensive cover as standard, so separate third-party liability cover is virtually never relevant here.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
Third-party liability + fire and theft
An intermediate level that rarely occurs with a private lease. Your lease car is generally insured on a comprehensive basis.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover and the standard with a private lease: full own-damage cover, including where you are at fault. Often with a high excess that you can reduce.
Hail damage
Damage through your own fault
Vandalism
Unknown party at fault
What is covered
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Provided it is declared
One point of contact for claims
Yes
Provided it is declared
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
What we do
What we do
At Finass
Direct with Private
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether a private lease is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Lowering the excess
Reducing the excess The excess with a private lease often runs high. By buying it off or reducing it, you pay much less — or nothing — yourself when there is a claim.
Passenger accident insurance (SVI)
Occupants' indemnity cover (SVI) Reimburses injury and material damage to the driver and passengers, regardless of who is at fault. This cover is usually absent from a private lease contract.
Personal accident cover for occupants
Personal accident cover for occupants Pays a fixed amount in the event of permanent injury to or the death of occupants in a road accident — a targeted addition to your lease cover.
Breakdown assistance & legal expenses
Breakdown assistance & legal expenses 24/7 breakdown assistance in Europe and legal help with traffic disputes, in case this is not (fully) included in your private lease contract.
What does your premium depend on?
Sum insured: the main basis for calculation
Cover and modules chosen
Risk profile and sector
Excess chosen
Claims history
Working area
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.
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.
Yes, with a private lease comprehensive motor insurance is almost always included in the monthly payment, along with maintenance and road tax. So you do not have to take out the basic cover yourself. What is often missing, however, is a low excess and occupants' cover; you arrange those separately.
Can I reduce the excess on my private lease?
Yes. The excess in a private lease contract often runs to 1.000 euro or more per claim. Through additional cover you can reduce or buy off that excess, so that you pay much less or nothing yourself when there is a claim. We show you where this can be done most economically.
Is occupants' cover included with a private lease?
Usually not. The standard comprehensive cover insures the car, but injury to the driver and passengers often falls outside it. Separate occupants' or personal accident cover fills this gap, regardless of who is at fault for an accident.
Do I build up no-claims years with a private lease?
Generally not. With a private lease the leasing company is often the policyholder, so you do not build up no-claims years yourself. When the contract ends you therefore usually do not have those years available for your next own car. We think through the consequences with you.
Do I need GAP cover with a private lease?
No, with a private lease the leasing company bears the residual value risk, so GAP cover against an outstanding debt is not needed here. That is different with a financial lease. With a private lease you are better off focusing on the excess and occupants' cover.
May I choose my own insurance for my private lease car?
The basic comprehensive cover is tied to the lease contract and is usually not yours to choose. The additional cover, such as reducing the excess or occupants' cover, you do take out yourself. We compare those top-ups independently for you.
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.
