Brand repairs · replacement transport · security
Insuring a luxury car
On a luxury car you only notice the difference between policies after the claim: who repairs it, with which parts, and what you drive for three weeks.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
- AFM licence 12016589
- Registered with Kifid
- Objective analysis
Deze pagina in het Nederlands: Luxe auto verzekeren.
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
High-value cars are assessed separately on list price, susceptibility to theft and repair costs. Insurers therefore impose requirements on security and storage.
The practical differences lie in brand repairs with original parts and in replacement transport that suits the car. With a long repair time, that is the element you notice every day.
This page deals with one part. The overview of all parts is on the the main car insurance page.
What to look out for
Security class and tracker
At higher values, insurers require an alarm class and often a tracker. Without those devices the theft cover lapses.
Recording brand repairs
Standard policies direct you to an approved repair chain. If you want the franchised dealer, have that expressly included.
Equivalent replacement transport
A mid-range car as a replacement for a luxury car is a real inconvenience where the repair takes weeks.
Keyless entry and relay theft
Insurers ask about keyless systems. A signal-blocking pouch or an extra immobiliser can be a condition.
What determines the premium
- List price
- Make, model and susceptibility to theft
- Security and storage
- Annual mileage
- Age and no-claims years
This information is general in nature and is not personal advice. What is actually covered, including exclusions 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.
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
Will I be looked after at the franchised dealer?
Only if that is stated in the policy. Standard policies refer you to an approved repair chain; brand repairs are a separate arrangement.
What is relay theft?
Theft in which the signal from a keyless key is amplified. Insurers ask about this and can require additional measures.
Do I get an equivalent replacement car?
On an exclusive policy usually yes, and for a longer period. On a standard policy often not.
What security is required?
That depends on the value and the model. Usually an alarm class and, on theft-prone models, a tracker.
What is covered and what is not
What is covered
| Situation | Extended | Comprehensive |
|---|---|---|
| Fire in the garage where the car is kept spreads to the vehicle | Yes | Yes |
| A branch blown off in a storm lands on the bonnet | Yes | Yes |
| A loose shopping trolley rolls into your door in the car park | No | Yes |
| You catch a kerb with the wheel rim and it can no longer be repaired | No | Yes |
| Someone runs a key along the whole side while the car stands outside your door | No | Yes |
| The paintwork has become dull and discoloured from years of standing outside | No | No |
Third-party, fire and theft works with a closed list of events: if the cause is not on it, no payment follows, however visible the damage.