Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
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.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
- 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
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.
Independent, personal, sorted quickly
We compare your classic car insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Through Finass or direct with Unigarant?
The structure of the cover in three parts, with an overview per situation below.
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.
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.
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 email 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.
9.5New policy
9.8Claims handling
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.
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
Frequently asked questions
This is what people ask us most.
Why is a valuation report needed?
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.
Every situation is different. For these situations we have a separate page.
Read more
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.