Turien & Co · compared independently · advice from Finass
Premium classic car insurance through Turien & Co
Premium classic car insurance is intended for the classic that is actually driven: broad own-damage cover, cover during tours and events, and arrangements for transport on a trailer.
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
A classic that stands in the garage all year mainly needs fire and theft cover. A classic that takes part in club runs, tours and regularity rallies needs something else: cover for damage you cause yourself. Sliding wide on a bend, a post in the garage, a stone chip from the car in front: none of that is included in third-party, fire and theft.
In the premium segment it is therefore about the form of own-damage cover and about where the car is allowed to be: on the road, on a closed circuit during a club day, on a trailer on the way to an event, or stored with a third party. Each of those situations has its own provision.
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
Third-party liability insurance is compulsory in law and covers damage you cause to others with your classic.
Damage to other vehicles
Injury to third parties
Damage to buildings and objects
Damage caused by passengers
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
Fire and storm damage
Theft and burglary
Windscreen breakage and glass damage
Collision with animals
Comprehensive insurance
The most complete cover, including for damage you cause yourself, theft and total loss. We compare Turien & Co's comprehensive version with the market.
Hail damage
Damage through your own fault
Vandalism
Unknown party at fault
What is covered
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Provided it is declared
One point of contact for claims
Yes
Provided it is declared
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
What we do
What we do
At Finass
Direct with Turien & Co
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether Turien & Co is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Comprehensive or third-party, fire and theft
Third-party, fire and theft pays only for named perils: fire, storm, theft, broken glass, collision with an animal. Anything you cause yourself falls outside it. Comprehensive cover takes in your own fault as well: the slide, the failed parking manoeuvre, the garage door blowing open. For a classic that actually covers miles, that difference is the heart of the choice: and most of the premium.
Tours, club runs and the difference from a competition
Taking part in a treasure hunt or a regularity run in which average speeds and keeping to time are the point is generally covered. As soon as the element of speed becomes decisive — special stages, time trials, circuit training on lap times &mdash. An exclusion almost always applies. Report an event in advance and keep the rules. We have the insurer confirm for each event what does and does not fall within the cover.
Transport on a trailer and storage elsewhere
If the car drives to the event under its own power, the motor policy applies. If it goes on a trailer, the risk shifts: damage during loading, strapping down and transport is by no means always covered by the own-damage cover on the vehicle. If you have the car carried by a haulier, that firm is liable under Articles 6:170 and 6:171 of the Dutch Civil Code for mistakes by its drivers and helpers; record that in the instructions.
Lending the car, keys and the circle of drivers
If you lend the car to a friend, he drives on your policy, with your excess and with your claims history. If a restrictive driver clause appears on the policy schedule, an own-damage claim can be refused. Excluded is otherwise almost always theft where the keys were left in or near the car. If you drive someone else's classic, your own care, custody and control cover comes into play.
On an agreed value
On an agreed value Valuable or classic vehicles on an agreed value.
Breakdown assistance
What does your premium depend on?
Agreed value of the vehicle. In the premium segment this is the most heavily weighted basis for the own-damage premium.
Form of own-damage cover chosen. Comprehensive cover including your own fault costs considerably more than third-party, fire and theft.
Purpose of use. Summer driving only counts differently from a diary full of tours and events.
Annual mileage. The number of miles agreed per year limits the exposure on the road.
Storage and security. A locked garage of your own, an immobiliser and a tracking system lower the risk of theft.
Circle of drivers and excess. A limited circle of experienced drivers and a higher excess bring the premium down.
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.
What is the difference from an ordinary classic car policy?
The emphasis. An ordinary classic car policy is built around standing still and preserving value. This form is built around use. That means broader own-damage cover, more miles and express arrangements for events. If you drive little and your main concern is the valuation, compare with the classic car insurance through Hienfeld.
Am I covered during a tour or club run?
On runs without a speed element, generally yes. As soon as it is driven against the clock or the event takes place on a circuit, an exclusion for speed events and training almost always applies. Send us the rules before you enter and we will ask the insurer for written confirmation for that particular event.
Is transport on a trailer included?
Not automatically. During loading and transport the car is no longer a motor vehicle in use, and many conditions exclude or limit transport damage. If you carry it yourself, check the cover on your trailer. If a firm carries it, have it recorded that the firm is liable for damage during transport and ask about its insurance.
May my son or a friend drive it?
Only if the driver clause allows it. Many premium policies limit driving to the owner, the partner and sometimes a named second driver, with an age limit. If someone outside that circle drives, the legally required third-party liability cover remains in place, but the insurer can refuse the own-damage 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.
