Cost of claims · repair costs · what you can influence
Why is car insurance so expensive?
The premium follows the cost of claims, and that is rising faster than inflation. There are concrete reasons behind it.
Deze pagina in het Nederlands: Waarom is een autoverzekering zo duur?.
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
Repair has become more expensive
Modern cars are full of sensors: cameras in the windscreen, radar in the bumper, parking sensors all round. Damage that used to be a bodywork job now calls for the replacement and calibration of electronics.
A bumper with radar costs many times more than an ordinary bumper. That works straight through into the average cost of claims.
Parts and labour
Delivery times for parts have become longer, which makes replacement transport more expensive. Labour rates in the repair trade have risen.
What you influence yourself
Your cover: does comprehensive cover still suit the market value? If it falls below three to four times your annual premium plus the excess, third-party, fire and theft is often more logical.
Your excess: a higher amount noticeably lowers the premium.
Your no-claims years: check in Roy-data that the number is correct; mistakes do occur.
Your mileage: declare a realistic figure, but not too low — that can lead to a reduction when you claim.
What does not help
Switching without reviewing the cover usually achieves little. The biggest saving lies in whether your cover still fits, not in which company you are with.
Read more
Within Autoverzekering
- Autoverzekeringthe main page
- How can you make your car insurance cheaper?
- Welke 3 soorten autoverzekeringen bestaan er
- Car insurance: frequently asked questions
- What does third-party liability insurance cost per month?
- Frequently asked questions
- Ontdek hoe no claim kortingen de nederlandse autoverzekering beinvloeden
Similar pages
Frequently asked questions
The questions we are asked most often about this.
Why are motor premiums rising?
Mainly because of higher repair costs: sensors, calibration and longer delivery times.
What makes the biggest difference?
The choice between comprehensive cover and third-party, fire and theft, matched to the market value.
Does switching help?
Usually little without reviewing your cover.
Can I check my no-claims years?
Yes, in Roy-data through your insurer or through us; errors do occur.
May I declare a lower mileage?
No; that can lead to an adjustment or a reduction when you claim.
Why is glass damage more expensive?
Because of cameras in the windscreen that have to be calibrated after replacement.
What is covered and what is not
What is covered
| Situation | Third-party liability + fire and theft | Comprehensive |
|---|---|---|
| A stone chip in the windscreen with the camera behind it, including calibration after replacement | Yes | Yes |
| Your car is stolen from the drive | Yes | Yes |
| You hit a bollard yourself and the bumper with parking radar has to come off | No | Yes |
| Parking damage by someone who drove on, with no registration number or witness | No | Yes |
| Replacement transport while you wait weeks for a part | Provided that | Provided that |
| A worn clutch after 180,000 kilometres | No | No |
Every row marked Yes counts towards the cost of claims from which next year's premium is built up.