Third-party liability insurance
- Required by law
- Lowest premium
- No cover for your own car
Compare youngtimer insurance & take out cover at a good price
Youngtimer insurance covers your car of fifteen years or older at an agreed value instead of a rapidly falling current market value, subject to conditions on use.
- 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.
Which details do we ask for?
Personal quote request. A no-obligation request: nothing is taken out automatically. After sending you receive a reference number and a confirmation by e-mail.
- First and last name (required)
- Date of birth (required)
- E-mail address (required)
- Phone number (required)
- Postcode (required)
- House number (required)
- Suffix
- Address check
- Would you like to include any other insurance? (required)
Additional questions follow per chosen insurance.
- Household composition (required)
- Occupation or activities (required)
- Preferred start date
- Already insured?
- Is there anything we should know? (required)
- Comments
- Have you, or anyone else with an interest in this insurance, been in contact with the police or judicial authorities in the past 8 years? (required)
- Has an insurance policy ever been cancelled, refused or terminated due to fraud, or are you registered in the incident register? (required)
- I agree to the privacy statement, declare that the information is correct and complete to the best of my knowledge, and understand that this quote request does not yet provide insurance cover. (required)
Additional questions follow per chosen insurance.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Youngtimer insurance is car insurance designed specifically for cars of roughly fifteen to twenty-five years old that are kept as enthusiasts' cars. The difference from ordinary car insurance lies in the valuation and the conditions. Instead of current market value (dagwaarde), you can often insure on the basis of a professional valuation, and the premium is usually lower because the car is driven less.
In return, there are acceptance conditions. Many insurers require a minimum driver age, a maximum annual mileage and another car for everyday use. Storage also matters: a youngtimer kept in a locked garage is assessed differently from a car parked outside on the street. The exact limits differ per insurer.
When comparing, there is more to consider than the premium. Look at how long the valuation remains valid, the arrangement in the event of a total loss, the excess and whether repair with original parts is covered. The way no-claims years (schadevrije jaren) are treated also differs: some insurers charge a fixed premium without a no-claims bonus system, others use the discount you have built up.
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.
Youngtimer insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
What does youngtimer insurance cover?
The choice between third-party liability (WA), limited comprehensive (beperkt casco) and comprehensive (allrisk) depends on the value of your youngtimer and whether you want to insure at a valued amount.
Third-party liability + fire and theft
Adding limited comprehensive cover protects your youngtimer against theft, fire, storm and window damage.
- Theft and break-in
- Fire and natural hazards
- Window damage
Comprehensive insurance
Comprehensive cover also pays for damage to your own youngtimer caused by a collision or your own mistake.
- Worthwhile with a valued amount
- Own damage after a collision
- Often a higher excess
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 to watch when taking out youngtimer insurance.
Acceptance conditions
For a youngtimer policy, insurers set conditions on the driver and on use. A minimum age, a maximum annual mileage and a second car for everyday use are common. If you do not meet them, your application may be declined or you may have to fall back on ordinary car insurance. Read the conditions carefully and disclose your situation in full, so there is no dispute if you make a claim.
Validity of the valuation
With most insurers, a valuation report is valid for a limited number of years. After that, you need a new valuation to keep the agreed value. If you forget, current market value may be applied when you claim. Note the expiry date of your valuation and have the car revalued in good time, especially if the market value of your model has risen or you have had the car restored.
Storage and security
A youngtimer kept in a locked garage has a lower risk of theft and weather damage than a car parked outside. Insurers take this into account in the premium and sometimes in acceptance. For a higher value, an approved alarm or tracking system may be required. Be honest about where the car is kept, because a situation different from the one you declared can lead to a lower payout if you claim.
Parts and repair
For a youngtimer, original parts are not always still available, or only at high prices. After damage, the insurer may propose repair with used or imitation parts. If you want repairs carried out with original parts, check whether the policy covers this. A specialist in your make can often give a realistic estimate of repair costs and parts availability. Also keep a list of places where you can find parts.
Frequently asked questions
Frequently asked questions about youngtimer insurance.
What is the difference between youngtimer and classic car insurance?
Youngtimer insurance is intended for cars of roughly fifteen to twenty-five years old, classic car (oldtimer) insurance for even older cars. The conditions are similar, such as limited mileage and insurance at a valued amount. Classic car policies are often stricter about use, but the premium can be lower. Where the line is drawn differs per insurer.
Is youngtimer insurance cheaper than ordinary car insurance?
Often it is, because the insurer assumes you drive few miles and use the car carefully. How much cheaper varies greatly per insurer, per car and per driver. Giving an indication is difficult, as the insured value and the chosen cover also play a role. We compare several insurers for your situation.
Do I need a second car?
Many insurers require you to have another car for everyday use, because the youngtimer is regarded as an enthusiast's car. There are also insurers that do not set this requirement or only ask that the car is used to a limited extent. If you do not have a second car, the choice is smaller, but you are not always excluded.
What happens in the event of a total loss?
If your youngtimer is insured at its valued amount, the insurer will as a rule pay the valued amount in the event of a total loss, provided the valuation is valid. Without a valuation, the current market value is paid, which can be low for older cars. The remains of the car are usually taken over or offset by the insurer. Check how this is arranged in your policy.
Can I take my youngtimer abroad?
Yes, in most cases the cover applies in the countries listed on your green card. Do keep an eye on the maximum annual mileage, as a long trip can use up a large part of it. Breakdown assistance abroad is not always included as standard either. For an older car, breakdown cover including transport back to the Netherlands can be valuable.
Can I take my youngtimer off the road in winter?
Some insurers offer an arrangement for taking the car off the road temporarily, for example via a suspension (schorsing) with the RDW. During a suspension you may not drive on public roads and third-party liability (WA) insurance is not compulsory. Cover for theft and fire while in storage can, however, continue. Check how your insurer handles this.
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
- Insuring a ChevroletChevrolet, value over time, security, repairs
- 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
Read more
Everything on this topic
Similar pages
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.