Third-party liability
- Compulsory under Article 2 of the Dutch Engine Insurance Liability Act (WAM)
- Property damage and injury to third parties
- No cover for your own vehicle
- The green card determines the area of cover
Insurer · intermediary services · Engine vehicles
Rhion: insurance through FINASS
Rhion is one of the companies we work with. On this page you can read plainly what that means: what we can apply for through Rhion and how we assess what is on offer.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Rhion: verzekeren via FINASS.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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.
In brief
Rhion is a general insurer that does not offer its products in the Netherlands directly, but solely through advisers and underwriting agents. You therefore always take out a policy through an intermediary, who also remains your point of Contact for changes and claims. The emphasis of the range lies with Engine vehicles: passenger cars and related vehicles. We deliberately quote no premiums, ratings or market figures here — what counts is whether the conditions suit your situation, and that differs with every application.
For you as a customer, going through an intermediary means two things. First, that the insurer's policy conditions and insurance card (verzekeringskaart) determine what is covered; what appears on a website is a summary. Second, that with an application we do not simply complete forms for one company but set the offering alongside that of other insurers. A policy with a lower premium but a narrower form of cover, a higher excess or a stricter age clause for drivers is not a better policy.
When you take out the policy, the duty of disclosure under Article 7:928 of the Dutch Civil Code: you answer truthfully the questions about your claims history, use, drivers, home address and any criminal record. If you fail to disclose something the insurer should have known, payment can later be reduced or lapse under Article 7:930 of the Dutch Civil Code. That applies with every company, so here too. What we and the insurer do and how we are paid is set out in our service guide.
What we apply for through this company
The range for private individuals revolves around Engine vehicles; the structure follows the usual three forms of cover.
Third-party, fire and theft
Adds events that you do not cause yourself.
- Theft, burglary and fire
- Glass, storm and hail damage
- A collision with wild animals on the road
- Damage you cause yourself falls outside this
Comprehensive cover
Also covers damage to your own vehicle caused by you.
- Single-vehicle collisions and parking damage
- A driver who leaves the scene with no known registration number
- The excess is often yours to choose
- Depreciation or replacement-value-as-new arrangement
What is covered
| Situation | Third-party liability | Comprehensive cover |
|---|---|---|
| Damage and injury to the other party | Yes | Yes |
| Theft, fire and glass damage | No | Yes |
| Damage you cause yourself to your own car | No | Yes |
| Injury to the driver where they are at fault | No | Provided that |
| Recovery of losses from an unwilling other party | Provided that | Provided that |
| Driving without a valid licence or under the influence | No | No |
This structure is the usual make-up of a Engine policy; what applies in your case is set out in the insurer's policy conditions and insurance card.
Two points with a policy through this company
With an intermediary arrangement the insurer's conditions are decisive; we pay particular attention to the places where policies differ from one another.
Compare clauses, not just the premium
Engine policies differ less in the main cover than in the clauses around it. Look at the depreciation scheme — how long replacement value as new or purchase value applies, and what comes after — at the level and number of excesses, at any young driver clause for drivers below a stated age, and at the step-back arrangement in the bonus-malus scale after a claim. Accessories, audio equipment, a towbar and charging cables also have different limits at each company. These points make the difference at claim time, while remaining invisible in a premium comparison.
What is covered by no Engine policy at all
At every company, so here too, the same situations remain excluded: driving without a valid driving licence or while disqualified from driving, driving under the influence of alcohol or drugs or refusing the test, and taking part in speed or skill competitions and track use. Letting, driving lessons and paid passenger transport are excluded as long as they have not been declared. Exclusions also apply to intent and recklessness under Article 7:952 of the Dutch Civil Code, for damage caused by wear, construction faults and deferred maintenance, and for fines and criminal sanctions, which are never insurable. You report a claim as soon as reasonably possible, as Article 7:941 of the Dutch Civil Code requires.
What does your premium depend on?
- No-claims years — registered in Roy-data
- Vehicle and list price — type, power and weight
- Postcode area — theft and collision risk
- Age and experience of the driver — young drivers count more heavily
- Type of cover — third-party liability, third-party, fire and theft, or comprehensive
- Excess and modules — occupants, legal expenses, breakdown assistance
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, risk and 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.
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.
Frequently asked questions
The questions we are asked most often about this.
Can I take out a policy directly with Rhion?
No. In the Netherlands this company works through advisers and underwriting agents. You therefore take out the insurance through an intermediary, who also remains your point of Contact for changes, cancellation and claims. In practice that means you have one point of Contact instead of a customer service desk per policy, and that the application always goes through an adviser.
Why does this page not quote a premium or a rating?
Because a premium only arises after a calculation on your details: no-claims years, vehicle, postcode, drivers and the cover chosen. Quoting an amount without those details tells you nothing. We also leave out ratings and market figures; what counts at claim time are the policy conditions and the clauses, not a score on a comparison site.
How do I know whether this company is the right one for me?
By setting the premium and conditions alongside those of other companies. We look at the depreciation and replacement-value-as-new arrangement, the excess, any age clauses for drivers and the step-back in the bonus-malus scale after a claim. With an older car, different things weigh heavily than with a new one; the outcome therefore differs from case to case.
Who do I report a claim to?
You report the claim to us, as soon as reasonably possible; Article 7:941 of the Dutch Civil Code requires this. We pass the notification on to the company and follow the handling. Record the situation yourself in advance with photographs and a completed European accident statement, and in the event of theft, vandalism or a hit-and-run always report it to the police.
Would you like to know what this company offers you?
Request a quote without obligation; we set the offering alongside that of other insurers.
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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.