Third-party liability
- Required by law
- As long as the registration is in your name
- Suspend the registration when not in use
Car insurance for a SEAT
A SEAT is often the first or second car of a young driver, and that is precisely where a claim most often goes wrong on the question of who really drives it.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Models such as the Ibiza, the Arona and the Leon are at the top of the list of cars on which people build up their driving experience. Insurers assess that group strictly: a young driver with no no-claims years pays more premium and often gets a higher excess. That creates the temptation to put the policy in a parent's name.
That arrangement is exactly where things go wrong. The insurer wants to know who the regular driver is, not who pays the premium. If that declaration is wrong, the payment after a claim can be reduced proportionately, and where there is deliberate deception it can even be refused altogether.
The second point to note is modification of the car: lowering, a different exhaust, wider wheels or a software change. For the sportier versions from the same group, the CUPRA page is more relevant; within the same price segment, Opel is a logical comparison.
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What does SEAT car insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Causes beyond your control.
- Fire and storm
- Theft
- Windscreen damage
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.
What does your premium depend on?
- Age and driving experience. The less time the driver has held a licence, the more heavily that counts in the premium.
- Number of no-claims years. The step on the bonus-malus ladder determines the discount or loading on the basic premium.
- Trim level and engine power. A sporting version is assessed considerably more severely for a young driver than an entry-level engine.
- Annual mileage. The number of kilometres a year declared, which is checked against the odometer reading when there is a claim.
- Place of residence and storage. The postcode area and the place where the car stands at night count in the assessment of the risk.
- Cover and excess. The type of cover plus the excess, where for young drivers an extra amount often applies.
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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Who is the regular driver
This is the question most often answered incorrectly on these models. If a parent is named as policyholder and regular driver while a child drives the car every day, the duty of disclosure in Article 7:928 of the Dutch Civil Code has been breached. The insurer may then, under Article 7:930 of the Dutch Civil Code pay in proportion to the premium that matched the actual risk, or pay nothing where there was an intention to mislead.
Lowering, exhaust, wheels and software
Modifications to the suspension, exhaust, wheels or engine software have to be right on two counts: the RDW requirements and your insurer. An undeclared increase in power changes the risk and can cost you the cover, even where the damage had nothing to do with that modification. Wheels and audio equipment fitted later also fall under an accessories limit; anything above that you have to declare separately.
Alcohol and driving without a valid licence
The third-party liability cover protects the victim and keeps paying, because that is the essence of the duty to insure under Article 2 of the Dutch Motor Insurance Liability Act (WAM). But the insurer may then recover the amount paid from you in full. Own damage to your own car is not paid in these situations; Article 7:952 of the Dutch Civil Code excludes damage caused by intent or recklessness. The same applies to driving with a suspended or missing licence.
Building up no-claims years from nothing
On a first policy you start at the bottom of the bonus-malus ladder. Every claim-free year gains a step, but a single at-fault claim costs several at once. On a small claim it therefore pays to have it worked out in advance whether paying yourself is cheaper than reporting it. Your parents' no-claims years cannot be transferred to you; they belong to their policy and their driver.
Frequently asked questions
This is what people ask us most.
May I put the car in my parents' name?
A parent may be the policyholder, but the regular driver has to be the person who in fact drives it most. If that is declared incorrectly and damage occurs, the insurer may reduce the payment to what would have matched the correct premium. Where there is an intention to mislead, the entitlement lapses entirely and the incident is recorded in the incidents register.
Do I have to declare lowered suspension or a different exhaust?
Yes. Both the RDW and your insurer want to know that the car differs from the factory specification. An undeclared modification can lead to a reduction or refusal of the payment on a claim, even where the modification had nothing to do with the accident. Report it in writing and keep the confirmation with your policy documents.
Can I take over no-claims years from my parents?
No. No-claims years are tied to the driver and to the policy on which they were built up. Many insurers do, however, offer a starting discount for a second car within the same household, or a more favourable starting step for someone who can show they were named on a policy as an additional driver for years. Ask about that expressly when applying.
What happens on a claim after drinking alcohol?
The victim has their loss paid, because the third-party liability cover may not be raised against third parties. The insurer then recovers the full amount paid from you. Your own own-damage claim is not paid and you also run the risk that the insurance is cancelled, after which taking out a new policy becomes considerably harder.
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.