Fire and theft
- Fire in the shed
- Theft
- Storm and water damage
Storage insurance
A vehicle that stands still over the winter does not have to stay fully insured, but nor is it entirely uninsured: fire and theft losses arise precisely while it is in storage.
- 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
Storage insurance covers your boat, motorhome, caravan, motorcycle or classic car for the period in which the vehicle is not in use. Fire, theft, storm and water damage remain covered, while you pay no premium for use on the road or the water.
For a vehicle with a registration you often combine this with a suspension of the registration with the RDW (the Dutch vehicle authority): no road tax, no third-party liability obligation, but cover against fire and theft.
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What does storage insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Suspend the registration
For a vehicle with a registration, the third-party liability obligation lapses.
- No road tax
- No third-party liability obligation
- But fire and theft covered
Several objects
Boat, motorhome, caravan, motorcycle or classic car.
- A combined sum insured
- One renewal date
- Declared per object
What is covered
| Situation | Covered |
|---|---|
| Fire in the storage shed | Yes |
| Theft from the locked space | Yes |
| Storm damage to the object in storage | Yes |
| Driving or sailing to the storage site | No |
| Use during the storage period | No |
| Frost damage from not draining down | 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?
- Value of the object in storage
- Type of storage: shed, carport or outdoors
- Security of the location
- Storage period in months
- Number of items
- Excess
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.
Suspending the registration and still staying covered
When the registration is suspended the third-party liability obligation lapses, but the risk of fire or theft in the shed does not. Storage cover covers those two.
Where the vehicle is kept
A locked shed is assessed differently from a carport or an open yard. Report the actual storage location.
The moment of taking it there and collecting it
Driving to the storage site does not fall under storage cover. Arrange that separately or do it before the start date.
Taking it there and collecting it fall outside
Storage cover applies for the period in which the vehicle stands still. The journey to the storage site and back is not included. Arrange that before the start date, or let cover begin only once the object is in place — this is the most common misunderstanding about this policy.
Frequently asked questions
This is what people ask us most.
What does storage insurance cover?
Fire, theft, storm and water damage during the period in which the vehicle stands still. Use on the road or the water falls outside it.
Can I suspend the registration and stay insured?
Yes. When the registration is suspended the third-party liability obligation lapses; storage cover keeps fire and theft covered.
May I drive it to the storage site?
Not under storage cover. Arrange that before the start date or with separate cover.
Does the storage place count?
Considerably. A locked shed produces a much lower premium than parking outdoors.
Can I suspend the registration and stay insured?
Yes. When the registration is suspended, the third-party liability obligation and the road tax lapse; storage cover keeps fire and theft covered.
Does the storage place count?
Considerably. A locked shed produces a much lower premium than a carport or an open yard, and cover is tied to the location you declared.
Every situation is different. For these situations we have a separate page.
- Insuring a lorryThe main page
- Insuring a hobby lorryShows and meetings, bodywork and chrome, valuation
- Insuring a lorry as a hobbyEvents, storage, suspend or continue
- Private lorry insurance: what are your options?Private use, forms of cover, suspend or keep insured
- How do you insure a hobby lorry?Hobby use, valuation, category C licence
- Insuring several motorcyclesCollection, one policy, alternating use
- Insuring a tractorRegistration requirement, implements, use
- Insuring a lorry privatelyHobby use, category C licence, limited mileage
- Compare motorcycle insuranceSuspending in winter, ART lock, clothing separate
Read more
Within Vrachtautoverzekering
Similar pages
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. Last updated on .
The information on this page is general in nature and is not personal advice.