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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The falling roofline and the small rear window mean that on this crossover you rely more on camera images and sensors than on what you can see yourself. That works both ways. The number of minor collisions may fall as a result, but every contact with a bumper or a window immediately affects equipment that has to be set up again after repair.
In law nothing changes. Driver assistance is assistance, not a takeover of the driving task: you remain the driver and therefore liable towards the injured party under Article 6:162 of the Dutch Civil Code, with the compulsory cover that Article 2 of the Dutch Motor Insurance Liability Act (WAM) prescribes. That a system did not intervene is no defence against the victim.
The practical question is therefore not whether the car is safe, but whether your policy and your repairer arrange the calibration after a repair, and who bears the bill if that does not happen.
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.
A system that does not intervene does not shift the question of fault
If the automatic emergency braking does not brake and you run into the back of someone, you are liable towards the injured party. Your third-party liability insurer pays and the claim counts as an at-fault claim in your bonus-malus. If you believe the system was defective, that is a separate matter between you and the supplier or manufacturer, with a burden of proof of its own. Do not expect your insurer to take that route for you: do record the fault and report it to the manufacturer.
Calibration is part of the repair
A camera behind the windscreen and radar in the bumper have to be realigned after replacement, sometimes on a special rig with target boards. That calibration is part of a proper repair and belongs in the estimate. So have a window or bumper replaced by a firm that has the equipment and the manufacturer's data. A system that has not been set up after a repair can itself cause a collision, and that damage is then at your expense.
Updates, recalls and switching functions off
If the manufacturer recalls the car for a change to a safety system and you fail to have it done, that can be used against you when there is a claim. The same applies to permanently switching off a function that belongs to the specification. When you report a claim you are obliged to provide the information requested and to cooperate with an investigation. That follows from Article 7:941 of the Dutch Civil Code. Data from the car and footage from a dashcam are part of that.
What driver assistance does not cover
Outside the cover is the repair of a system fault with no identifiable cause from outside. That is a defect and not damage. Software costs and updates are not paid for either. Beyond that, the usual exclusions apply: driving without a valid licence, driving under the influence and wear. Damage caused by intent or conscious recklessness need not be paid by the insurer under Article 7:952 DCC, not even where the car had warned you.
What does your premium depend on?
Specification level and number of sensors. More equipment in the bumper and the windscreen means higher average repair costs.
Version: hybrid or plug-in hybrid. The drivetrain determines the vehicle type and with it the rating group.
Arrangement for windscreen replacement with a camera. Some policies have a different arrangement where calibration is needed.
Free choice of repairer. Determines whether you can go to a firm with calibration equipment and manufacturer data.
Own-damage value of the particular car. Helps determine when damage that is light in itself is regarded as a total loss.
Share of city driving in the annual mileage. Manoeuvring damage is concentrated in urban areas and car parks.
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.
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.
Do I get a discount because this car has a lot of driver assistance systems?
Not as a separate discount. Insurers build the equipment into the vehicle type and the rating group, and there a lower claims frequency and higher repair costs are set against each other. On balance the premium can turn out higher or lower than on a more simply equipped version. So always ask for a premium on the exact type from the vehicle register and not on the model name alone.
Who is liable if the automatic emergency braking does not intervene?
You, as the driver. Driver assistance supports but does not take over the driving task, so towards the injured party Article 6:162 of the Dutch Civil Code remains the starting point and your third-party liability insurer pays. You can raise a defective system with the supplier or manufacturer afterwards, but that is a separate process in which you have to prove the defect. Report the fault to the manufacturer in writing, even before there is any damage.
Is the recalibration after a windscreen replacement paid for?
On a covered glass claim the calibration is part of a proper repair and appears in the estimate. The condition is that the repair firm has the equipment; have that confirmed in advance. If you choose a firm yourself that cannot calibrate and damage results later, that is not a covered defect but a consequence of your choice and those costs remain at your expense.
I had parking damage while the parking aid was on. Does that change anything?
No. It remains damage of your own doing and that is only insured under full own-damage cover. The drop in no-claims years applies as normal too. That a sensor was dirty or did not warn you does not relieve you of the obligation to look for yourself. If the amount of the damage barely outweighs the excess, ask for the estimate first before you press ahead with the claim.
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.
