Third-party liability
- Required by law
- As long as the registration is in your name
- Suspend the registration when not in use
Car insurance for the Tesla Model S
The Model S is by now mainly an older, fast saloon, and that shifts the question from replacement value to market value.
- 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
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
The Model S is the oldest and largest model in the range. Most examples now running in the Netherlands were bought second-hand, often with a good many kilometres and a high-powered specification. That makes the insurance question different from that on a new car: a purchase-price or replacement-value scheme has usually long since expired and the cover calculates with the market value.
That market value is the heart of the problem. The value of an older Model S has fallen considerably, while replacing a battery module, the air suspension or the large central screen has not. One substantial claim therefore quickly exceeds the value and the insurer then pays the value instead of repairing the car.
Do you drive one of the newer models? Then look at car insurance for the Tesla Model Y or at car insurance for the Tesla Model X.
Independent, personal, sorted quickly
We compare your car insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Car insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
What does Tesla Model S 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?
- Market value of the individual car. On an older car the own-damage premium calculates with the current value, not with the price at the time.
- Trim level and engine power. The fastest variants are accepted by fewer insurers and rated more heavily.
- Year of manufacture and mileage. Age and kilometres covered help determine whether comprehensive cover is still offered.
- Origin and claims history. Import, earlier damage or a valuation report affect acceptance and the way the value is established on a claim.
- Regular driver. The age, driving experience and no-claims years built up by whoever drives the car most.
- Cover chosen. The step from comprehensive cover to third-party, fire and theft is the biggest premium decision you take on this model.
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.
Market value against repair costs
On an older Model S the value has fallen sharply, but the parts have not. A battery module, an air suspension bag or the central screen soon approaches the value of the whole car. The insurer may then decide not to repair but to pay the market value. New for old is not paid in that case, and parts that were at the end of their life are kept out of the claim as wear.
When third-party, fire and theft is enough
On a car whose value has fallen, comprehensive cover is not a given. Set the annual premium plus the excess alongside what the car would produce on a total loss. Third-party, fire and theft covers fire, theft, storm, broken glass and a collision with an animal, but not a collision you cause and not vandalism. If finance is still running, the lender usually requires comprehensive cover for as long as it is being repaid; that requirement takes precedence over your own assessment.
Power and who is behind the wheel
The fast versions of this model are not accepted by every insurer, and certainly not with a young or inexperienced regular driver. So declare honestly who drives the car. Taking part in speed tests, circuit runs or driver training on a closed track is excluded as standard. Driving under the influence, without a valid licence or while disqualified produces no cover, not even under comprehensive cover.
Imports and unknown history
Some of the used Model S cars have been imported or have already had several owners. Earlier damage, a differing specification or a battery pack that has already been replaced are matters the insurer wants to know about; concealing them goes to the duty of disclosure in Article 7:928 of the Dutch Civil Code and can lead to a reduction on a claim (Article 7:930 DCC). Have the car inspected beforehand and consider a valuation report, so that the value is not in dispute when there is a claim.
Frequently asked questions
This is what people ask us most.
Can I still insure an older Model S comprehensively?
Often yes, but not with every insurer. Some companies offer comprehensive cover only up to a certain age of car or ask for a valuation report. If the premium plus the excess no longer outweighs what the car would produce on a total loss, third-party, fire and theft is the logical step, unless finance requires comprehensive cover for as long as it is being repaid.
How is the value established on a total loss?
The expert determines the market value: what a comparable example in the same condition, specification and mileage costs at that moment. If you have had a valuation report drawn up and it is stated on the policy, the valuation figure applies for the agreed period. Without a valuation, the market value established is the starting point and argument afterwards is difficult.
Is a replaced or reconditioned battery pack a problem?
It is above all a matter of declaring it. Report what has been replaced or modified on the car and with which parts. That falls under the duty of disclosure in Article 7:928 of the Dutch Civil Code. Non-original or self-fitted components are not simply paid for when there is a claim, and a pack that has lost capacity is regarded as wear and is never paid for.
May I take this car onto a circuit?
Not under an ordinary car insurance policy. Taking part in competitions, speed tests and runs on a closed circuit is excluded as standard, even where it is a tuition day. Damage to your own car and to other people's then remains at your expense. For those situations there are separate, temporary covers that you have to arrange separately.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
- Tesla car insuranceBattery, charging, total loss
- Car insurance for the Alfa RomeoMid-size, ADAS, glass damage
- Car insurance for the Audi e-tronBattery, 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 Tesla Model 3Carriage for payment, taxi cover, mileage
- Car insurance for the Audi A3Mid-size, ADAS, glass damage
- Car insurance for a NissanAll models, rating group, compare
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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.