Third-party liability
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Tesla car insurance
Driver assistance systems, remote updates and a limited repair network make the policy on a Tesla different from that on an average car.
- 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
This page is about the make as a whole. What the models share is not the bodywork but the technology around it: a great deal of electronics, cameras watching permanently, software that makes the car drive differently after an update, and body repairs that run through a limited number of designated firms. Those four things determine where a claim gets stuck.
For the model itself we refer you to the specific pages: Model S for the older saloon, Model X for the large SUV with falcon-wing doors and Model Y for the volume model.
A misunderstanding we hear often: driver assistance changes nothing about liability. If you cause damage to someone else, that remains your wrongful act (Article 6:162 of the Dutch Civil Code) and your third-party liability cover pays (Article 2 of the WAM). That the car was steering at that moment is not a question of cover.
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What does Tesla car insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Causes beyond your control.
- Fire and storm
- Theft
- Windscreen damage
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.
What does your premium depend on?
- Model and power output. A version with two or three motors is rated differently from the entry-level version of the same model.
- Value of the car. The own-damage premium follows the value that has to be paid on a claim, including accessories declared.
- Year of manufacture and remaining purchase-price term. A young car with a replacement-value scheme costs more premium than one insured on market value.
- Region and type of storage. The postcode area, street parking and the security class of the storage all count in the theft risk.
- Annual mileage. The number of kilometres you declare determines the exposure and with it the premium step.
- Type of cover and excess. The choice between third-party liability, third-party, fire and theft and comprehensive cover, and the excess chosen, is the biggest lever you control yourself.
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.
Driver assistance does not remove liability
The driver assistance systems are there to support. The driver remains responsible for the driving task. If you run into someone while the car was steering itself, the injured party is simply paid from your third-party liability cover (Article 2 of the WAM) and your wrongful act is the basis (Article 6:162 DCC). Damage to your own car qualifies for payment in that case only under comprehensive cover. Deliberately leaving the driving task to the car and not intervening can also lead to an argument about recklessness.
Camera footage is evidence, not cover
The built-in camera monitoring helps to trace an unknown person responsible after all, which makes recovering your loss simpler. It does not give you cover you did not have: scratches, dents and vandalism remain claims that fall only under comprehensive cover, and third-party, fire and theft does nothing with them. Without a report to the police, insurers usually will not deal with a theft or vandalism claim, however clear the footage is.
Software, features and modifications
Features you activate for a payment or take on subscription are not an insured object: if you lose them after an update or on a sale, that is not damage within the meaning of the policy. Faults or recalls also fall under the warranty and not under the insurance. Modifications that are not factory-fitted, such as different wheels, wrapping or extra equipment, are only paid for if you declared them in advance.
Repair, parts and total loss
Repairs run through a limited number of approved firms and the delivery time for parts determines how long the car is off the road. A replacement vehicle is only covered if you have insured it with the car, and then for a limited period. Because a damaged battery pack is often replaced as a whole, repair costs rise above the value of the car sooner and a total loss follows earlier. Loss of use and hire costs afterwards are not paid for.
Frequently asked questions
This is what people ask us most.
Does driver assistance earn a discount on my premium?
Not automatically. Insurers calculate mainly with the value of the car, the power, the year of manufacture, the region and your claims history. Driver assistance systems are on virtually every version and are rarely rewarded separately. Insuring a higher excess or declaring a realistic mileage can make a noticeable difference, though; those are the factors you can influence yourself.
Which model page do I need?
Choose the page that belongs to your car, because the points to note really do differ. On the Model S it turns on market value and the balance between comprehensive cover and third-party, fire and theft; on the Model X on the falcon-wing doors and the height; and on the Model Y on glass damage and on leasing. The general structure of the cover is the same for all models.
Is theft of a Tesla covered?
Theft falls under third-party, fire and theft and under comprehensive cover, not under third-party liability. Insurers set requirements for it: a report to the police, handing in all keys or key cards, and sometimes a minimum security class or a tracking system. Losing a key or locking yourself out is not theft and is not paid for, not even under comprehensive cover.
Is a damaged battery pack replaced or repaired?
The repairer decides that on the basis of the investigation after the damage. Because the safety of a compromised pack cannot always be guaranteed, replacement of the whole is the outcome where there is doubt. That is why a total loss arises sooner with electric cars. Loss of capacity through normal use is never covered: that is wear.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
- Car insurance for the Tesla Model SBattery, charging, total loss
- Car insurance for the Tesla Model YBattery, charging, total loss
- Car insurance for the Tesla Model XBattery, charging, total loss
- Car insurance for the Audi e-tronBattery, charging, total loss
- Car insurance for the Alfa RomeoMid-size, ADAS, glass damage
- Car insurance for the Tesla Model 3Carriage for payment, taxi cover, mileage
- Car insurance for the BMW i4Fault or damage, warranty, exclusions
- Insuring a Tesla ModelElectric, battery pack, repair network
Read more
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.