A Spyker is built by hand in a very small run; the insurance therefore turns less on power than on the question of who can still repair this car after damage.
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In brief
The Spyker is a Dutch, hand-built sports car from a very small run. That makes insuring it a different conversation from a factory-built supercar: the difficult part is not the power, but the question of what can still be repaired after a collision and by whom. Insurers assess such a car individually and virtually always ask for a valuation report before they offer own-damage cover.
We therefore put the application to insurers that accept special cars on an agreed value, usually with an arrangement about the annual mileage and a fixed place of storage. What is decisive are the provisions you do not see on the premium line: may you name a repairer yourself, how long does the valuation stay valid, and how long does a payment continue if a body part is months in transit.
Weigh up the type of cover deliberately as well. Precisely because a Spyker covers few kilometres, most damage arises while manoeuvring, storing and transporting it and not in traffic; that argues for comprehensive cover. If the car goes virtually only to club events and is by now old enough, a classic car insurance with a limited mileage comes into view.
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 value appears in no price guide
For a Spyker there is no usable price guide: too few were built and virtually every example is specified differently. Insurers therefore accept the car almost exclusively on the basis of a valuation report by a recognised expert. That established value binds both parties under Article 7:960 of the Dutch Civil Code, but applies for a limited period. If the valuation expires, the insurer calculates on market value again when there is a claim and the argument about value starts after all.
Not every body repairer can repair hand-formed aluminium
The bodywork consists of hand-formed aluminium panels. Aluminium repair calls for a separate workshop and certified welding, because particles of steel attack the material; a general body repair chain usually cannot do this. Record before you take out the policy that you may name a repairer of your own, otherwise the insurer will send you to its own network. Loss of value remaining after a technically correct repair is not paid by an own-damage policy: you get repair costs, not compensation for the damage history.
The supply of parts determines repair or total loss
On some of the models the engine comes from a large manufacturer's range and is therefore still reasonably obtainable. The handwork around it is not: body parts, the aluminium interior fittings and the trim work are each made to measure. If a part is unobtainable, the repair time mounts up and the insurer may decide on a total loss while the car is technically salvageable. Payments for a replacement vehicle and storage are limited in time.
Standing idle, storage and runs against the clock
A Spyker covers few kilometres and stands indoors for most of the year. Insurers attach a storage clause to that: if the place of storage, the alarm or the circle of drivers changes, you have to report it under Article 7:928 of the Dutch Civil Code. If the car stands idle for a season, you can suspend the registration. Touring runs and concours visits are usually covered, but as soon as time or speed is measured, or you go onto a circuit, the cover lapses.
What does your premium depend on?
Valuation figure instead of list price — Because there is no price guide, the insurer calculates with the amount from the valuation report. That amount drives the own-damage premium.
Power, weight and rating group — The eight-cylinder engine places the car in a high rating group. Every insurer applies its own classification for that, which makes the differences large.
Agreed annual mileage — A low mileage band brings the premium down. If you consistently exceed it, the insurer can reduce the payment proportionately.
Storage location and security — A locked garage, alarm class and tracking system all count. If more special cars stand in the same space, the insurer weighs that as one risk.
Circle of drivers and driving experience — Limiting cover to one or two named drivers lowers the premium. Insurers often set a minimum age and demonstrable no-claims years alongside it.
Repair arrangement and excess — A free choice of specialist repairer costs premium; a steered network or a higher excess lowers it.
Insurers weigh these details differently. That is why comparing pays off.
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.
Because for a Spyker there is no reliable price guide and virtually every example is built up differently. A valuation by a recognised expert fixes the value in advance and binds both parties under Article 7:960 of the Dutch Civil Code. Without a valid valuation the insurer calculates on market value when there is a claim, and on a hand-built car that virtually always turns out lower than owners expect.
What happens if a part is unobtainable?
The repair time then mounts up into months. The insurer may declare the car a total loss as soon as the estimated repair costs approach the valuation figure, even where the panel work in itself is salvageable. Payments for a replacement vehicle and storage do not run on indefinitely. So report damage at once, as Article 7:941 of the Dutch Civil Code prescribes, and have the estimate drawn up by a repairer with experience of this make.
Do I have to stay insured if the car stands indoors all winter?
As long as the registration is in your name and is not suspended, the duty to insure under Article 2 of the WAM applies, even if the car does not move a metre. Suspending it with the RDW removes that duty; cover for fire and theft during storage can often be kept running. If you go on the road during the suspension, you are uninsured.
Is a defect in the engine or drivetrain covered?
No. Own-damage cover pays for damage from a sudden event coming from outside, not for wear, an inherent defect or mechanical and electronic failure. Faults in construction and materials also fall outside the cover; for those you depend on the warranty or on the seller. If a fire arises from such a defect, the fire damage to the car is usually insured.
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.
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