Unigarant · compared independently · advice from Finass
Classic car insurance through Unigarant
With a classic car the argument after a loss is rarely about whether there is cover, but almost always about the value, and you either fix that in advance or not at all.
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
An ordinary motor policy works with market value on a total loss. For a classic that is unusable: there is no depreciation series and no list price that still means anything. A classic car policy therefore works with an agreed value valuation. An expert's report under Article 7:960 of the Dutch Civil Code fixes the value in a binding way, so that for as long as that report is valid the insurer cannot rely on underinsurance or a lower market value.
There is something in return. A classic car policy is built around limited use: a maximum number of miles per year, no commuting, no use as everyday transport and storage in a locked space. Those are not suggestions but conditions of cover. If the car is in fact used differently from what was declared, that goes straight to the duty of disclosure in Article 7:928 of the Dutch Civil Code.
Unigarant offers a classic car product. We compare the valuation period, the mileage arrangement and the requirements as to storage and a second car with what other providers apply. If you also ride a classic motorcycle, we look at that alongside the motorcycle insurance.
The structure of the cover in three parts, with an overview per situation below.
Third-party liability insurance
Third-party liability insurance is compulsory by law and covers damage you cause to others with your car, not damage to your own car.
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 Unigarant'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 Unigarant
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 Unigarant 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.
A valuation in advance rather than market value afterwards
A valuation report from a recognised expert binds both parties. Under Article 7:960 of the Dutch Civil Code you may not receive more than your actual loss, but a valid valuation in advance removes the argument about the amount of it. Reports have a limited period of validity, often a few years. If the report expires and you do not arrange a revaluation, you fall back on market value, and a restoration representing tens of thousands of euros in labour can go largely unpaid.
The restriction on use is a condition of cover
The low premium of a classic car policy rests on limited use. An agreed mileage limit, no everyday transport, no commuting and usually the requirement that another car is available for everyday driving. If you consistently drive more, or use the car as your main vehicle without reporting it, the insurer can rely on Article 7:930 of the Dutch Civil Code and reduce or refuse the payment altogether.
Repair with original parts or settlement as a total loss
With a modern car the repairer works towards replacement. With a classic a part is no longer available and has to be found, reconditioned or reproduced. That makes repair expensive and slow, so that a collision that is in itself minor leads to a total loss sooner than you would expect. Have it recorded, therefore, whether the repair will use original parts and whether you may nominate your own restorer.
Restoration, the workshop and transport to events
Many classics spend part of the year in pieces. Damage arising while you are working on the car, or during work by a third party in the workshop, does not fall under the policy: the garage insurance of the professional repairer is the one that answers. Fire during welding, or damage while being carried on a trailer, also needs separate attention. Corrosion, wear and inherent defect are excluded as standard.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
Agreed value and the age of the report. The value established is the basis of calculation. An expired valuation puts you back on market value.
Year of manufacture and originality. An original specification is assessed differently from a converted or modified car with altered engineering.
Agreed annual mileage. With classics the mileage band is the main lever; driving more means a different premium and different conditions.
Type of storage. A locked, dry garage is a condition of acceptance at virtually every provider, not a premium discount.
Availability of an everyday car. If there is a second vehicle for ordinary use, that supports the limited use of the classic.
Type of cover and excess chosen. The choice between third-party only, third-party, fire and theft, and full own-damage cover based on the valuation feeds through directly.
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.
Because a classic has no usable market value. A valuation in advance by a recognised expert fixes the value, so that there is no need to negotiate after a loss and the insurer cannot rely on underinsurance. The report has a limited period of validity. If you do not arrange a revaluation in good time, that certainty falls away and settlement is on market value after all.
May I drive the classic to work?
As a rule, no. Commuting and everyday use are almost always excluded on a classic car policy, because the premium is based on limited use. Many insurers also require you to have another car for everyday driving. If you do use the classic as your main vehicle, the insurer can reduce or refuse the payment on the ground of an incorrect declaration.
Is taking part in a classic car run covered?
A tour or treasure hunt without timing is usually included. As soon as a classification, a speed test or a regularity run with time controls is involved, it falls under the exclusion for competitions. Runs on a circuit are excluded as well, even where there is no competitive element. If in doubt, ask for written confirmation for the particular event beforehand.
What if a part is no longer available?
A used or reconditioned example is then sought, or the part is reproduced. That is costly and time-consuming, so an insurer concludes a total loss sooner than with a modern car. Have it recorded in advance whether repair with original parts is permitted and whether you may nominate a specialist restorer yourself. Not every policy deals with that.
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.
