Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Compare youngtimer insurance & take out cover at a good price
Insure your youngtimer — a car of 15 to 25 years old — at a good price and, if you wish, at an agreed valued amount. We compare more than 30 Dutch insurers to find the sharpest premium with the right cover. Independent advice from Finass Verzekert — AFM-registered and registered with Kifid.
- 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
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
- 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
Youngtimer insurance is car insurance for a car of roughly 15 to 25 years old — the bridge between a modern car and a classic. As with any car, third-party liability cover is compulsory by law. What makes a youngtimer attractive is that you can often insure it at an agreed valued amount, so that you avoid the rapid write-down to market value that affects older cars.
At Finass Verzekert we compare more than 30 Dutch insurers to find the best-priced premium with the right cover for your youngtimer. Because a youngtimer is often used carefully and has a limited market value, the premium generally works out favourably — although it is usually just a little higher than for a genuine classic car.
A youngtimer is 15 to 25 years old, a classic car 25 years or older. You may generally drive a youngtimer daily, whereas stricter conditions of use often apply to a classic car. You still pay ordinary road tax on a youngtimer. The exemption only applies from 40 years. For business drivers, the favourable benefit-in-kind arrangement for youngtimers is also a well-known reason to drive one.
Independent, personal, sorted quickly
We compare your youngtimer 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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What does youngtimer insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability + fire and theft
As well as third-party liability cover, protection against theft, fire, storm and glass damage — at an agreed valued amount if you wish. For many youngtimers the happy medium.
- Fire and storm damage
- Theft and burglary
- Windscreen breakage and glass damage
- Collision with animals
Comprehensive insurance
The most complete cover, including where you are at fault. Recommended for a valuable, well-maintained youngtimer, preferably at an agreed valued amount.
- 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 Youngtimerverzekering |
|---|---|---|
| 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 Youngtimerverzekering 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?
- No-claims years: the most decisive factor
- Make, model and list price
- Cover and excess chosen
- Annual mileage
- Age of the regular driver
- Postcode area
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.
Valuation amount (optional)
Valuation amount (optional) Insure your youngtimer at the value assessed in advance instead of the market value, so that you do not face a rapid write-down after a loss.
Breakdown assistance in the Netherlands & Europe
Breakdown assistance in the Netherlands & Europe 24/7 help with a breakdown on the road, with towing, roadside repair and a replacement vehicle throughout Europe — useful if you also drive your youngtimer daily.
Passenger accident insurance (SVI)
Passenger accident insurance (SVI) Pays for injury and material damage to the driver and passengers, regardless of who was at fault in an accident with your youngtimer.
Agency workers, interns & volunteers, traffic
Agency workers, interns & volunteers, traffic Legal assistance after a collision or in a dispute about damage or the purchase of your youngtimer, so that you are not on your own.
Frequently asked questions
This is what people ask us most.
From what age is a car a youngtimer?
A youngtimer is broadly a car of 15 to 25 years old. Younger than 15 years counts as an ordinary car; from 25 years we speak of a classic car. The exact limit an insurer applies can differ slightly. We look at which policy suits the age of your car.
What is the difference between a youngtimer and a classic car?
A youngtimer is 15 to 25 years old, a classic car 25 years or older. You may generally drive a youngtimer daily and you still pay ordinary road tax on it. Stricter conditions of use often apply to classic cars, and from 40 years an exemption from road tax.
Can I insure my youngtimer at an agreed valued amount?
Yes, with many insurers you can insure a youngtimer at an agreed valued amount by means of a valuation report. That prevents the car being written down quickly to market value. For a readily saleable youngtimer of limited value, insuring at market value can actually be cheaper.
Is youngtimer insurance cheaper?
Often it is. Because of the limited market value and the generally careful use, the premium works out more favourably than for a new car. It is usually just a little higher than for a genuine classic car, because a youngtimer is driven daily more often. Comparing pays off.
What conditions apply to youngtimer insurance?
The conditions are milder than for a classic car. Sometimes a minimum age for the driver or a mileage limit applies, but daily use is usually permitted. The exact requirements differ from insurer to insurer. We compare them for you.
Does the benefit-in-kind arrangement apply to my youngtimer as well?
For cars of 15 years and older used for business a separate benefit-in-kind addition applies: a percentage of the market value instead of the list price. That makes a youngtimer attractive for business drivers. The insurance is separate from this. We only arrange the car insurance and advise you independently.
Every situation is different. For these situations we have a separate page.
- Insuring a BMW youngtimerBMW youngtimer, value over time, security, repairs
- Insuring a Mercedes Benz youngtimerMercedes-Benz youngtimer, value over time, security, repairs
- Insuring a Porsche youngtimerPorsche youngtimer, value over time, security, repair
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- Insuring a CorvetteCorvette, value over time, security, repairs
- Insuring a BMW M3BMW M3, value over time, security, repairs
- Insuring a BMW M4BMW M4, value over time, security, repairs
- Insuring a Porsche PanameraPorsche Panamera, value over time, security, repair
- Insuring a Porsche 911Porsche 911, value over time, security, repair
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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. Last updated on .
The information on this page is general in nature and is not personal advice.