Volkswagens are driven in the Netherlands in almost every kind of use, and with this make the premium question therefore lies less in the model than in what has been added to the car afterwards.
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 your own premium with the calculator.
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
Few makes are modified after delivery as often. A towbar, an LPG system, roof bars, an adapted driver's position or a complete conversion into a motorhome are more common on a Volkswagen than average. Every change to the vehicle has to be known both in the vehicle register and to your insurer.
This is also the make where the dividing line between private, lease and business use is thinnest. The same body runs as a family car, as a lease car and as a commercial vehicle. For the heavy commercial versions there is a page of its own about the Volkswagen Crafter.
What works in your favour with this make is the availability of parts and the density of the repair network: repairs can therefore usually be arranged more quickly than with rarer makes. That changes nothing about the exclusions for wear and mechanical defects.
The structure of the cover in three parts, with an overview per situation below.
Compulsory
Third-party liability
Damage you cause to others.
Required by law
As long as the registration is in your name
Suspend the registration when not in use
Third-party liability plus
Third-party, fire and theft
Causes beyond your control.
Fire and storm
Theft
Windscreen damage
Comprehensive cover
Comprehensive
Including damage you cause yourself.
Own fault
Vandalism
Replacement-as-new period
What is covered
Situation
Third-party liability
Third-party, fire and theft
Comprehensive
Damage to the other party
Yes
Yes
Yes
Theft
No
Yes
Yes
Fire and storm
No
Yes
Yes
Damage you cause yourself
No
No
Yes
Wear and mechanical defects
No
No
No
Driving without a valid licence
No
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Towbar, LPG system and roof bars
A towbar or LPG system fitted afterwards must be entered in the vehicle register and declared to the insurer. With an LPG system that is all the more important, because it changes the fire risk; an undeclared installation can cost you cover on a fire claim under Article 7:928 of the Dutch Civil Code. Roof bars, bike racks and the load on them are not themselves part of the own-damage cover.
From commercial van to motorhome
If a Transporter or Crafter is converted into a camper, not only the interior changes but also the vehicle category on the registration. As long as that change has not been carried through and declared to the insurer, you are driving with a policy that does not match the actual vehicle. The fit-out, the furniture and the camping equipment also fall outside an ordinary car insurance policy.
Leasing, company use and no-claims years
If you drive a lease car for years, you usually build up no no-claims years on that car for a policy of your own. If you later move to a car in your own name, you start at the bottom unless you produce a statement from the leasing company setting out your claims history. Request that statement before the lease contract ends; afterwards it is hard to obtain.
Reporting a claim and the accident statement form
Report a claim as soon as reasonably possible: Article 7:941 of the Dutch Civil Code requires that, and late notification can cost you a payment where the insurer is thereby prejudiced. Complete the European accident statement form at the scene and do not sign an admission of fault; establishing liability is for the insurers. Always note the registration numbers and the details of witnesses.
What does your premium depend on?
Trim level and engine — Within the same model range, power and weight determine which rating group the car falls into.
List price with factory options — Comfort features, navigation and wheels ordered from the factory count in the value used for the calculation.
Nature of use — Private use, commuting, leasing or business use leads to a different premium and sometimes a different type of policy.
Fittings installed — A towbar, LPG system or conversion changes the risk profile and has to have been declared.
Annual mileage — The number of kilometres a year declared, which is compared with the odometer reading when there is a claim.
Cover, excess and where the car is kept — The type of cover, the excess chosen and the place where the car stands at night.
Insurers weigh these details differently. That is why comparing pays off.
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.
Yes. The towbar should appear in the vehicle register and your insurer should know about it. The towbar itself is usually insured within the accessories limit. What you tow with it is not: damage to the trailer or caravan itself calls for its own insurance, while damage you cause to other people with it falls under the third-party liability cover.
Do I build up no-claims years with a lease car?
Usually not for a policy of your own, because the insurance runs through the leasing company. So before the end of the contract, request a written statement about your claims history. Many insurers accept that statement as the basis for a more favourable starting step when you insure a car yourself afterwards. Without that paper you start at the bottom.
Is my LPG system insured as well?
Only if the installation appears on the registration, was fitted by an approved firm and has been declared to the insurer. An undeclared installation changes the fire risk on which the premium is based and can lead to a refusal when there is a claim. Ask for the installation certificate and keep it with your policy schedule.
I have converted my van into a camper; what now?
Have the vehicle category on the registration changed and report the conversion to your insurer. After that the vehicle belongs on motorhome insurance instead of a light commercial vehicle policy. The permanent fit-out can be insured there up to an agreed amount; loose camping equipment and household items fall outside it in principle.
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.
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