Second car · compared independently · advice from Finass
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).
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
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 &mdash. 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.
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
The basic cover required by law and the cheapest. Often perfectly adequate for an older or little-used second car with a low market value.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
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.
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.
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.
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.
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.
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.
