Which three types of Car insurance are there?
There are three forms, and they build on one another. Third-party cover is the minimum and is required by law. The other two come on top of it.
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Work out for yourself what it would cost.
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- We compare the offerings of several Insurers
- An advisor 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
Third party liability
Covers the damage you cause with Your car to others. This is required by law under the Dutch Engine Insurance Liability Act (WAM).
Your own car is not covered. If you drive into a post yourself, you pay for that yourself.
Third Party, Fire and Theft: Third Party Plus
To that are added fixed causes outside Your control: fire, storm, theft, glass damage, break-in and collisions with an animal.
What it does not include is damage caused by Your own actions. If you drive into something yourself, that is still at Your own expense.
Comprehensive cover
Also covers Your own fault: driving into a post, leaving the road, vandalism. Everything that happens suddenly and is not excluded.
This is the most expensive form and the only one under which a mistake of Your own is paid for.
The rule of thumb
Work out what your car is worth now and how much you pay in premium plus excess for Comprehensive cover. If the market value drops below roughly three to four times that annual cost, Comprehensive cover becomes hard to justify.
For a car of three years or older, third-party, fire and theft is often the better choice. For a car on finance the lender usually requires Comprehensive cover.
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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 E-mail 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.
Frequently asked questions
This is what people ask us most.
Which three types are there?
Third-party, third-party, fire and theft, and comprehensive; they build on one another.
Which is compulsory?
Only third party, under the Dutch Motor Insurance Liability Act (WAM).
What does third-party, fire and theft cover?
fire, storm, theft, glass damage, break-in and collisions with an animal: not your own fault.
When do I choose Comprehensive cover?
For a new car or a car on finance. With finance the lender usually requires it.
When do I switch to third-party, fire and theft?
When the market value falls below three to four times Your annual premium plus the excess.
What is the difference between all-risk and full hull?
Nothing; they are two names for the same cover.