Leisure vehicles · security · valuation

Unigarant as an insurer at Finass

Unigarant is one of the parties Finass works with, with a range that leans heavily on vehicles that are not driven every day. That is precisely where security and valuation matter.

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Personal 072 - 509 24 56, weekdays 9–17

Deze pagina in het Nederlands: Unigarant als verzekeraar bij Finass.

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.

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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

In brief

Finass acts as intermediary with more than thirty companies; Unigarant is one of them, with a range for caravans, motorhomes, mopeds, bicycles and light quadricycles (brommobielen). Which company suits you best follows from the vehicle and your use of it.

With vehicles that stand idle for part of the year, the risk shifts from driving to theft and storage. Insurers translate that into security requirements: an approved lock, an alarm or a tracking system, and with larger vehicles requirements for the site where the vehicle stands. Those requirements appear as clause on the policy schedule and are a condition of payment. If you move to a different storage address, report it, because the address declared on the application partly determines the rate.

The second theme is the valuation. With new vehicles a purchase-price arrangement applies with a fixed monthly depreciation, with older vehicles payment is on market value, and with unusual or restored examples an valuation report is the only way to prevent discussion afterwards. Such a report generally has a limited period of validity. If it expires, you fall back on market value. Also stay within the limit of Article 7:960 of the Dutch Civil Code: a higher sum insured does not produce a higher payout than your actual loss.

This page deals with one situation. The full overview is on Insuring a light quadricycle (brommobiel).

Points to note
Frequently asked questions
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What to look out for

Four points that most often lead to discussion with vehicles other than the everyday car.

Accessories and fittings

A bike rack, awning, mover, solar panel, audio system or charging facility falls under an sub-limit for accessories or has to be declared separately. At claim time what counts is what appears on the policy schedule and not what you paid. Keep invoices and have the insured value adjusted after a purchase; naming an amount afterwards does not work.

Who may drive

Cover applies to drivers who meet the licence and age requirement. With a moped or light quadricycle that is an AM licence from the age of sixteen. With a motorhome it depends on the weight of the vehicle and the licence that goes with it. If someone drives without the right documents, there is no cover and third-party liability payments can be recovered under the WAM.

Transport, carriage and work on the vehicle

If the vehicle is at a repair firm, is carried on a trailer or travels by boat, different provisionsoften apply. Damage arising during transport or during work by a third party regularly falls under that party's liability and not under your own-damage cover. Report such situations in advance.

Use that falls outside the policy

Excluded are business use such as delivery or courier work under a personal policy, use as a driving-school vehicle, taking part in speed or skill trials and damage caused by rodents, vermin or damp in storage. Theft where the prescribed security was not in use is likewise refused.

What does your premium depend on?

Type and value of the vehicle: decisive for the own-damage premium
Year of manufacture: determines which valuation arrangement is still possible
Storage address: a locked site or the public road makes the biggest difference in the event of theft
Security fitted: an approved lock, alarm or tracking system
Modules chosen: assistance, contents and liability as separate elements
Number of vehicles on one policy: several objects can trigger a discount scale

Insurers weigh these details differently. That is where your saving is.

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What is covered

Situation	Third-party liability	Comprehensive
Your light quadricycle clips a parked car while manoeuvring into a space	Yes	Yes
Hail damage to the roof of the motorhome during a trip through France	No	Yes
The caravan disappears from the storage site	No	Provided that
The awning tears in a gust of wind at the campsite	No	Provided that
Damp turns out to have been penetrating under the caravan's roof edge for years	No	No
Your electric bicycle has gone from the shed, without signs of forced entry	No	No

Every vehicle has its own form of cover on the policy schedule; within a package they can therefore differ item by item.

Frequently asked questions

This is what people ask us most.

Are the contents of my caravan or motorhome covered?

Only if separate contents cover appears on the policy, and usually up to a limited amount with its own conditions for theft. Valuables, laptops and photographic equipment often fall under a sub-limit or are excluded altogether. Take valuable items out of the vehicle; leaving them unattended is one of the most common grounds for refusal.

Why is a valuation report useful?

A valuation by a recognised expert establishes the value in advance, so that after a total loss no discussion arises about market value. That matters particularly with restored, modified or hard-to-compare vehicles. Note the report's period of validity and have it renewed in good time, otherwise the payout falls back on the ordinary valuation basis.

What happens if I do not use my vehicle for a year?

Standing idle does not remove the risk: theft, fire, storm and vandalism continue. Some insurers offer a lower premium for a period in which the vehicle is demonstrably in storage, with requirements for the storage place. If you suspend the registration, report it, because a suspended vehicle does not have to meet the insurance obligation but can still be stolen.

Does the cover also apply outside the Netherlands?

The area of cover is stated on the certificate of insurance, usually the green card area. For own-damage cover a maximum uninterrupted period abroad may also apply. If you are going away for longer or to a country outside that area, have the policy adjusted in advance or take out additional cover. Afterwards it cannot be put right.

Unigarant as an insurer at Finass

In brief

What to look out for

Accessories and fittings

Who may drive

Transport, carriage and work on the vehicle

Use that falls outside the policy

What does your premium depend on?

Frequently asked questions

Read more

Within Why we work with different insurers

Similar pages

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Unigarant as an insurer at Finass

In brief

What to look out for

Accessories and fittings

Who may drive

Transport, carriage and work on the vehicle

Use that falls outside the policy

What does your premium depend on?

Frequently asked questions

Read more

Within Why we work with different insurers

Similar pages

Service

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