Renault supplies many passenger cars that are technically related to vans, and that is precisely why with this make it is the use rather than the model that determines which policy fits.
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
Part of the Renault range has one foot in business. Passenger versions of vans are used to carry tools, materials or samples while they are on a private policy. Commercial carriage of goods is excluded on a private car insurance policy, and the tools in the car are not insured on it in any event.
At the other end of the range are the compact models often driven as a first car. There it turns on declaring the regular driver, on young drivers with a higher excess and on lending the car within a circle of friends and family.
If you drive a van for work, see the page on the Renault Master. For a comparison within the compact segment, the Smart page is relevant.
The structure of the cover in three parts, with an overview per situation below.
Compulsory
Third-party liability
Damage you cause to others.
Required by law
As long as the registration is in your name
Suspend the registration when not in use
Third-party liability plus
Third-party, fire and theft
Causes beyond your control.
Fire and storm
Theft
Windscreen damage
Comprehensive cover
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
A passenger car that is driven for work
If you regularly carry tools or trading stock in a passenger version, declare it. A private policy assumes private use and possibly commuting; business use changes the risk on which the premium was calculated. If you conceal that, the insurer may rely on Article 7:928 of the Dutch Civil Codewhen there is a claim. The contents of the load space are not, and never become, part of the car insurance.
When the battery is not yours
On older electric versions the battery pack is sometimes rented from a separate party instead of being bought with the car. That matters for who can claim damage to the pack and how a total loss is settled: the rental contract does not automatically end with the car. State on the application whether the battery is your property and keep the contract with your policy documents.
Young and changing drivers
If the policy is in a parent's name while a child uses the car every day, the declaration is wrong. The insurer may then reduce the payment proportionately under Article 7:930 of the Dutch Civil Code. Declare the actual driver, even where that costs more premium; many policies also apply a higher excess for drivers under a certain age.
Lending the car and car sharing
If you lend the car to someone you know, the cover usually stays in place as long as the use is occasional and the driver holds a valid licence. If the car does not come back, that is misappropriation, and on virtually every policy that is excluded from the theft cover. If you hire it out through a sharing platform, that is commercial use requiring separate cover.
What does your premium depend on?
Trim level and engine. From a compact city car to a heavy passenger version of a van, the rating group varies widely.
Drivetrain and battery arrangement. Petrol or diesel, hybrid or electric, and with electric whether the battery pack was bought or is rented.
Nature of use. Private use, commuting or business use leads to a different assessment and sometimes a different type of policy.
Age of the regular driver. Young drivers pay more premium and are often given a higher excess.
Annual mileage. The number of kilometres a year, which with business use usually turns out higher than declared.
Cover and excess. The choice between third-party liability, third-party, fire and theft and comprehensive cover, combined with the excess chosen.
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.
Commuting falls within the cover almost without exception, but commercial carriage of goods does not. If you drive with materials or trading stock, declare it so that the policy is adjusted or moved to a business form. The tools themselves stay outside the car insurance; separate business contents or tool cover is needed for those.
Who pays for damage to a rented battery?
The own-damage cover of the car pays for damage to the battery pack caused by a mishap from outside, regardless of who owns it. The payment does go to the party entitled to it, and that may be the company that rents out the battery. The rental contract also simply continues, so report a total loss to that party as well and not only to your insurer.
What if my nineteen-year-old daughter drives the car?
If she drives it occasionally, that is usually covered. If she uses the car every day, she has to be named on the policy as the regular driver. If you do not do that, the insurer may reduce the payment in proportion to the premium that matched the actual risk. Work out in advance what a correct declaration costs.
Am I covered if I lend my car out?
With occasional lending the cover usually stays in place, provided the driver holds a valid licence and is not under the influence. A claim does count towards your no-claims years, because the policy is in your name. If the car does not come back, that is misappropriation and it is excluded from the theft cover.
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.
