Premium XL car insurance through Turien & Co
A premium version is intended for cars whose value and repair costs lie above the standard segment. That calls for different arrangements about value and repair.
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In brief
With a car in the higher segment, the focus of the policy shifts from premium to determination of value. A standard policy works in a total loss with the market value that an assessor determines after the loss. With a car built in limited numbers, with an extensive options list or with a price that cannot be derived from a price guide, that almost always leads to argument. A premium version therefore works with a a valuation beforehand by a recognised valuer.
That valuation has a statutory basis. Article 7:960 of the Dutch Civil Code provides that an insured may not be better off as a result of the payment, but a valid prior valuation is precisely the recognised way of fixing the value bindingly. In reality this means: no argument about valuation after a claim, but a period of validity you have to watch. If the report expires, you fall back on market value. Have a fresh valuation done in good time, certainly with a model whose market value is rising.
The second difference lies in the repair. Standard policies send damage to an approved repair network. In this segment you want repair by a brand specialist with original parts, because the alternative feeds straight back into the residual value. Check whether the policy allows free choice of repairer and whether that has consequences for the excess. For the wider segment, see exclusive car insurance and insuring a luxury car.
This page deals with one situation. The full overview is on Compare car insurance.
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What to look out for
Four provisions that count for more with a premium version than the premium itself.
Acceptance limit and list price
Every version has an upper limit in list price, power or age. If your car is above it, the policy is not suitable, even though the application has technically been accepted. That only comes to light when you claim. Have it checked in advance whether the vehicle falls within the acceptance criteria; if not, a specialist insurer is the route to take.
Free choice of repairer
Anyone who has repairs carried out outside the network is given a higher excess under some policies, or a payment based on network rates. With a brand car with an aluminium or composite body, repair to the manufacturer's specification is not a luxury but a condition of the warranty. So have the free choice of repairer expressly recorded.
What is excluded here too
Premium cover also excludes: competitions, speed trials and circuit driving, hire and paid passenger transport, and damage caused by wear, construction faults or deferred maintenance. In addition, loss of value after repair remains outside the cover under most policies, while in this segment it is a real loss. Ask whether a separate module exists for it.
Security as a condition, not as advice
With a high sum insured, the insurer sets requirements for the alarm class, tracking system and storage. That is a warranty clause: if it has not been complied with when the car is stolen, cover for that event falls away. Record what has been installed, keep the installation certificate and report it if you move to an address without a locked garage.
What does your premium depend on?
- Valued amount or list price: the basis for the own-damage premium
- Engine power and rating group: decisive for acceptance and the rate
- Annual mileage: seasonal use lowers the risk
- Security and storage: alarm class, tracking system and locked garage
- Driving experience and claims history: years of holding a licence count separately
- Additional modules: replacement transport, legal expenses and passengers
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Standard policy | Premium version |
|---|---|---|
| Total loss of a limited-production model that appears in no price guide | Provided that | Yes |
| Theft from a supervised car park during a trip through Italy | Yes | Yes |
| The carbon rear spoiler cracks from a stone thrown up by the car in front | Provided that | Yes |
| Water damage after you drive through a flooded tunnel | Provided that | Provided that |
| Your car is damaged while it stands in a restorer's workshop for weeks | No | Provided that |
| The separate set of winter wheels is stolen from your garage | No | No |
The difference between these two columns lies almost always in how the value is established, not in the list of events.
Frequently asked questions
This is what people ask us most.
When is a valuation more useful than market value?
As soon as the value of your car cannot be derived from a standard price guide. That arises with limited production runs, extensive factory options, youngtimers and models whose market value is rising. With a valid prior valuation the amount is fixed and, after a claim, the discussion does not shift to the value but at most to the question of whether there is a total loss.
What happens if the valuation term has expired?
The valuation then no longer applies and, when you claim, the market value at that moment is determined by an assessor. That can differ considerably from the amount in the expired report, in either direction. Put the end date in your diary and have a fresh valuation done well in advance; it cannot be put right afterwards, because the date of the loss is decisive.
Are original parts always covered?
Not automatically. Some policies pay on the basis of equivalent parts or apply the rates of their own repair network. With a brand car that can mean you make up the difference yourself, or that the manufacturer's warranty is put at risk. Have it recorded that repair takes place to the manufacturer's specification with original parts.
May someone else drive the car?
That depends on the driver clause. In this segment a minimum age or a closed circle of drivers often applies. If someone drives who does not meet it, there is no cover for own damage, and for third-party liability the statutory protection of the victim applies, with a right of recovery for the insurer. Declare a regular second driver when you apply.
Every situation is different. For these situations we have a separate page.
- Compare car insuranceThe main page
- Insuring supercars and luxury carsAgreed value, circuit clause, security requirements
- Insuring a luxury or sports car properlyValuation in advance, market value, accessories
- Insuring a luxury car: acceptance, security and useSecurity clause, storage, restriction on use
- Compare exclusive car insuranceValued amount, brand repairs, equivalent replacement transport
- Compare sports car insurance and save straight away
- Car insurance for AlpinaPower, rating group, track use