Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Compare second car insurance and save straight away
A second car in the household can often be insured on favourable terms thanks to a second-car arrangement. We compare more than 30 Dutch insurers and work out your premium from your registration number within 2 minutes. Independent advice from Finass Verzekert, registered with the AFM (the Dutch financial markets authority) and a member of Kifid (the financial services complaints institute).
- 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
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
Second car insurance is motor insurance for an additional car in your household. Like every car, that second car must have at least third-party liability cover — that is required by law. What is special lies in the premium: many insurers offer a second-car arrangement (also called a family or multi-car discount), so that you do not have to start on the most expensive premium step for the second car.
At Finass Verzekert we compare more than 30 Dutch insurers and look at which provider offers the most favourable second-car arrangement. Because a second car often covers fewer kilometres and you have already built up a claims history as a household, there is usually a good deal to save on the premium for the second car.
You can only use the no-claims years you have built up for one car at a time. For the second car, many insurers therefore grant a second-car arrangement: a favourable starting step based on the claim-free history of the regular driver in the household. That way you often pay considerably less for the second car than the standard starter premium.
Independent, personal, sorted quickly
We compare your car insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What does second car insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability + fire and theft
Alongside third-party liability cover, also protection against theft, broken glass, storm and fire. A good balance for a second family car.
- Fire and storm damage
- Theft and burglary
- Windscreen breakage and glass damage
- Collision with animals
Comprehensive insurance
The most complete cover, including for damage you cause yourself. Advisable if your second car is new or valuable and you cannot afford to be left with a shortfall.
- 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 Tweede |
|---|---|---|
| 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 second car policy 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.
What does your premium depend on?
- No-claims years: the most decisive factor
- Make, model and list price
- Cover and excess chosen
- Annual mileage
- Age of the regular driver
- Postcode 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.
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.
Second-car arrangement
Second-car arrangement A favourable starting step for your second car based on the claim-free history in your household, so that you do not pay the full starter premium.
Passenger accident insurance (SVI)
Occupants' indemnity insurance (SVI) Pays for injury and material loss suffered by the driver and passengers in both cars, regardless of fault in an accident.
Breakdown assistance in the Netherlands & Europe
Breakdown assistance NL & Europe 24/7 help when you break down, with towing, roadside repair and replacement transport throughout Europe: available for both cars.
Replacement transport
Replacement transport If one car is in the garage, replacement transport keeps the whole household mobile after damage, during repair or in a total loss.
Frequently asked questions
This is what people ask us most.
What is second car insurance?
Second car insurance is motor insurance for an additional car in the same household. That car too must have at least third-party liability cover. The difference lies in the premium: thanks to a second-car arrangement you often pay less for the second car than the standard starter premium.
Do I get a discount if I insure a second car?
Often you do. Many insurers offer a second-car arrangement or family discount, under which the second car is given a favourable starting step based on the claim-free history in your household. The amount differs by insurer, so comparing pays off.
Can I use my no-claims years for two cars at once?
No. No-claims years you have built up can only be used for one car at a time. For the second car you therefore use the second-car arrangement, which gives a favourable premium without your using the same years twice.
How does the second-car arrangement work?
The insurer gives the second car a favourable premium step, based on the claim-free history of the regular driver in the household. That way you do not start on the most expensive step. The conditions, such as the same insurer or the same address, differ from provider to provider.
Do I have to insure my second car with the same insurer?
Not always, but with some insurers the second-car arrangement only applies if both cars are at the same address or with the same company. We compare both options and look at what is cheapest in your case.
Which cover do I choose for my second car?
That depends on the car. For an older or little-used second car, third-party liability or third-party, fire and theft is usually sufficient and cheapest. For a newer or valuable second car, comprehensive cover can be sensible. Work out your premium using the tool to compare the options.
Every situation is different. For these situations we have a separate page.
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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.