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
The Karoq is a family car that has to be able to keep going without interruption. If it goes to the garage or does not fit the job for once, you get into another vehicle. At that moment you are driving not under your own policy but under someone else's, and that changes who reports a claim, who bears the excess and what happens to your no-claims years.
The starting point is that the insurance follows the vehicle, not the driver. The car you are sitting in has to be insured. That is the essence of Article 2 of the Dutch Motor Insurance Liability Act (WAM). If you cause damage with a courtesy or hire car, the owner's policy pays the other party and that claim in principle costs their step, not yours.
There are two exceptions you should know about. Some car policies have a replacement vehicle arrangement under which your own cover comes along for as long as your Karoq is being repaired at an approved firm. And with hire cars the excess for own damage is governed by contract, not by insurance. What you pay there yourself stands apart from your car insurance.
The structure of the cover in three parts, with an overview per situation below.
Compulsory
Third-party liability
Damage you cause to others.
Required by law
As long as the registration is in your name
Suspend the registration when not in use
Third-party liability plus
Third-party, fire and theft
Causes beyond your control.
Fire and storm
Theft
Windscreen damage
Comprehensive cover
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The garage's courtesy car
If you are given a car during servicing, you drive on that firm's motor trade policy. Ask in writing beforehand what cover it carries and how high the excess is; at many firms only third-party liability is insured and you bear own damage yourself. Also check whether your own policy has a replacement vehicle arrangement. If it comes along, the order in which parties are approached matters and you report the claim to both.
The hire car and the excess
With a hire car, liability towards third parties is settled, but damage to the hired vehicle is governed by the hire contract. That states an excess you pay on every instance of damage, including a scratch or a tyre. It can usually be bought off for a surcharge. Check whether the underside, windows, tyres and returning the car with an empty tank are excepted, because that is where the bill arises.
Driving someone else's car
If you borrow a relative's car, you are insured with it as long as you drive with permission and hold a valid licence. If you cause damage, it goes onto the owner's policy and costs their no-claims years. If that policy has a clause for young drivers or a restriction to named drivers, the payment can be reduced or the excess raised. Ask about that in advance.
What is not covered in these situations
Your own car policy does not cover the excess that a hire company or a garage charges you. Also excluded are: damage while driving without a valid licence, use by a driver not permitted under the hire contract, and the belongings you had in the borrowed vehicle. Anyone who causes damage intentionally or acts with conscious recklessness has no entitlement, under Article 7:952 of the Dutch Civil Code.
What does your premium depend on?
Replacement vehicle arrangement on your own policy. If your cover comes along during a repair, that is built into the premium and the policy conditions.
Number of drivers who use the car. A policy with a limited circle of drivers is cheaper, but in effect rules out lending.
Age of the youngest regular driver. That determines whether a clause with a higher excess is added to the policy.
Type of cover chosen. Without own-damage cover, damage to the vehicle you are driving remains entirely at your expense.
Assistance and a replacement vehicle. This module determines whether you can carry on driving after a claim at no cost to yourself.
No-claims years and whose policy a claim falls on. A claim with a borrowed car affects the owner's step, not the driver's.
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.
I am driving a courtesy car from the garage and cause damage. Who pays?
The other party is paid by the insurance running on that vehicle, because the cover follows the car. The damage to the courtesy car itself depends on the garage's cover and on what you signed in the user agreement. That often states an excess you bear yourself. Get those arrangements on paper before you leave.
Does my own cover come along while my Karoq is being repaired?
Only if your policy has a replacement vehicle arrangement. That then usually applies for a limited number of days, for an equivalent vehicle and where the repair is done by an approved firm. If that provision is missing, you drive entirely under the policy of whoever supplied the car. Report a claim to both insurers; Article 7:941 of the Dutch Civil Code requires timely notification.
Does a claim with a borrowed car cost me no-claims years?
In principle no, because the claim falls on the owner's policy and their step drops. That makes lending less casual than it looks: agree in advance who pays the excess and who compensates for the drop. If you regularly drive someone else's car, you are meanwhile building up no no-claims years of your own.
Is buying off the excess on a hire car worthwhile?
That depends on what the buy-off excludes. Damage to the underside, roof, windows, tyres and the key often stays outside the arrangement, while that is precisely where most bills arise. Read which parts are excepted and photograph the vehicle when you collect and return it. Your own car insurance does not pay this excess.
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.
