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Smart verzekeren & compare premiums

Verzeker uw Smart — fortwo, #1 en #3. Wij vergelijken de premies van meer dan 30 Nederlandse verzekeraars, zodat u uw Smart goed én voordelig Insures. Onafhankelijk advies van Finass Insures — AFM registered en Kifid-aangesloten.

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AFM registeredKifid affiliatedIndependent advisor
Compare independently
30+ insurers
For every Smart model
Personal advice

In 1 minute explained

Watch this short video to see what to look out for and which choices suit your situation.

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Smart insurance at Finass Verzekert

Insuring your Smart

Smart has a wide range: fortwo, #1 and #3. The premium varies by model, year of manufacture, and value. Third-party liability coverage is legally mandatory, as with any car; for a newer or more expensive model, Third-Party + Limited Comprehensive or All-Risk is often advisable.

Do you drive an electric model? Then it is preferable to include the battery and charging cable in the insurance. At Finass Insures we compare more than 30 insurers and look for the coverage that suits your specific Smart.

What should you look out for when insuring a Smart?

Pay attention to the model and value, the year of manufacture, whether it is an electric model (insure the battery as well), and usage. For a new Smart, new value or purchase value coverage is often advisable. We provide independent advice and handle everything fully.

More about the Car insurance

A Smart deserves appropriate insurance. Whether you choose Third-Party Liability, Third-Party + Limited Comprehensive, or All-Risk — the right coverage depends on the value and age of your Smart. We independently compare car insurance for your Smart from more than 30 insurers.

What does car insurance cover?+
  • ✓Third-party liability (legally required): damage you cause to others with your car
  • ✓Third-Party Liability + Limited Comprehensive (WA+): also theft, fire, storm, hail, and glass damage
  • ✓Collision with animals and sometimes joyriding or parking damage (limited comprehensive)
  • ✓All-risk (fully comprehensive): also includes damage to your own car caused by your own fault
  • ✓New value or purchase value scheme for young cars
  • ✓Additional: legal assistance for traffic, passengers, and roadside assistance

We (Finass Verzekert) independently compare car insurance from more than 30 insurers — so you get the best coverage at the lowest premium.

Why is car insurance important?+
  • ✓Third-party liability insurance is legally required for every car.
  • ✓With limited comprehensive coverage, you are also covered for theft, fire, storm, and glass damage.
  • ✓All-risk also covers damage caused by your own fault — handy for a new or expensive car
  • ✓You build up claim-free years and receive a no-claim discount (up to 80%).
Who is car insurance suitable for?+
  • ✓Third-party liability: older cars with a low current market value or a second car
  • ✓Third-party liability plus (limited comprehensive): cars aged 5-10 years with a risk of theft or glass damage
  • ✓Comprehensive: new or more expensive cars, or a car with an outstanding loan
  • ✓Everyone who is legally required to insure their car
Tips for closing+
  • ✓Choose the coverage based on the value and age of your car (comprehensive is often cost-effective up to ~6 years).
  • ✓Pay attention to the total loss policy: new value, purchase value, or current market value
  • ✓Weigh the deductible against the premium (often a lower deductible for glass damage)
  • ✓Paying for minor damage yourself can be cheaper than losing your no-claims bonus.
  • ✓Consider additional coverages: legal assistance, passengers, and roadside assistance.
How do you find the best car insurance?+

The premium depends on your age, place of residence, type of car, your claim-free years, and the chosen coverage. Finass Verzekert independently compares more than 30 insurers so that you find the right coverage at the most competitive premium.

Lees het volledige kennisdossier: alles over de Car insurance →

Which coverage suits your Smart?

For your Smart, too, you can choose from Third-Party Liability (WA), Third-Party + Limited Cover, and All-Risk. For a newer or more expensive model, All-Risk is often the sensible choice; for an older model, Third-Party Liability or WA+ may suffice.

BASIC

Third-party liability insurance

Legally required minimum

The legally required basic coverage. Suitable for an older Smart with a lower current market value.

What is covered:
  • Damage to other vehicles
  • Injury to persons or third parties
  • Damage to buildings and objects
  • Damage caused by occupants
Bereken WA-Premium →
MOST CHOSEN
EXTENSIVE

Third-Party Liability + Limited Cover

Popular for most Smart models

In addition to third-party liability coverage, also protection against damage to your own car caused by external factors that you cannot prevent.

Extra coverage:
  • Fire and storm damage
  • Theft and burglary
  • Window breakage and glass damage
  • Collision with animals
  • Hail damage
Bereken WA+ Premium →
COMPLETE

All-risk insurance

For a new or more expensive Smart

The most comprehensive coverage, even in case of your own fault, preferably at replacement value. Recommended for a new or electric Smart.

Everything from WA+ plus:
  • Damage caused by one's own fault
  • Vandalism
  • Unknown cause
  • Total loss payout
  • Collision damage
Bereken All-risk-premie →
Comparison of coverages for your Smart
CoverageWAThird-Party Liability + Limited CoverAll-risk
Damage to others (liability)
Fire, storm and nature
Theft and burglary
Window breakage and glass damage
Collision with animals
Damage to own car due to own fault
Vandalism and unknown perpetrator
Recommended forOlder SmartPopular SmartNew Smart

Additional coverages for your Smart

Complete your Smart's insurance with these modules and extensions.

New value

With a new Smart, you will be reimbursed the new or purchase value for a longer period, instead of the current market value.

Uitzendkrachten, stagiairs & vrijwilligers Auto

Legal assistance with traffic damage, warranty disputes, and conflicts regarding your Smart.

Roadside assistance NL & Europa

24/7 roadside assistance, with towing, on-site repairs, and replacement transport throughout Europe.

Passenger Insurance (SVI)

Vergoedt letsel- en materiële schade van Director en passagiers, ongeacht de schuldvraag bij een ongeval.

PREMIUM CALCULATION

What does your Smart premium depend on?

The premium for your Smart It depends on the model, the value, the chosen coverage, and your situation. Insurers each use their own calculation model, causing premiums to vary significantly.

By comparing via Finass Verzekert, you immediately see which insurer insures your Smart at the lowest cost.

1
Smart-model & Year of construction
List price and current market value of your Smart
2
Number of claim-free years
The more years, the lower your premium (up to 80% discount)
3
Annual mileage
Your annual mileage and usage
4
Age of chief executive officer
Risk category based on your age
5
Postal code area
Regionale diefstal- en aanrijdingsstatistieken

Insuring your Smart or switching: this is how it works

The best way to insure your Smart is by choosing the right coverage and value that suits your model. We compare more than 30 insurers. Do you already have a policy? After the initial contract period, you can switch monthly; Finass Verzekert takes care of it, ensuring you are not left uninsured.

The 4 steps to switching

  1. Calculate your premium via our tool with your license plate
  2. Compare the providers and choose the best coverage for your Smart
  3. We handle the cancellation with your old insurer
  4. Your new policy takes effect immediately after the notice period

When can you cancel?

For a new Smart, new value or purchase value coverage is advisable; for an electric model, the battery should also be insured. We find the insurer that offers the most favorable coverage for your Smart and handle the entire switch.

Insure your Smart or switch with Finass Verzekert

Frequently asked questions about your Smart insurance

All the answers to the most frequently asked questions about insuring your Smart, listed together.

How much does it cost to insure a Smart?

That depends on the model, the year of manufacture, the value, the chosen coverage, and your situation. By comparing more than 30 insurers via Finass Verzekert, you will find the best premium for your Smart.

Which coverage should I choose for my Smart?

For an older Smart, Third-Party Liability (WA) or Third-Party + Limited Cover may suffice. For a newer or more expensive model, All-Risk is advisable, preferably at new value. Calculate your premium using the tool to compare the options.

Is a Smart expensive to insure?

That varies greatly by model. Insurers do not rate Smart models equally; by comparing, you will find the company that estimates your car most favorably.

Does new value or purchase value coverage apply to my Smart?

For a new Smart, you can often take out a new value or purchase value scheme, so that in the event of a total loss, you receive compensation at the higher value for a longer period. The duration varies by insurer; we explain the conditions clearly.

How do I insure an electric Smart?

If you drive an electric model, it is preferable to include the battery and charging cable under comprehensive coverage. We are looking for an insurer with good terms for electric cars.

Which additional coverages are useful for my Smart?

Denk aan pechhulp, Legal assistance, een inzittendenverzekering en — bij een nieuwe auto — nieuwwaardedekking. Wij stellen samen met u de juiste dekking op.

Does my Smart insurance also apply abroad?

Yes, Dutch car insurance policies offer standard coverage throughout the entire European Union and neighboring countries such as Switzerland, Norway, and the United Kingdom. For journeys outside these areas, a separate arrangement may be required; we will advise you on this.

Can I insure my Smart even without no-claims years?

Yes. Without claim-free years, you start at a lower tier and pay more, but it is always possible to insure your Smart. We look for the insurer with the most favorable starting tier and check whether an employer's statement or cancellation declaration can still earn you claim-free years.

Personal advice on your Smart at Finass Verzekert
Finass mascot

Why insure your Smart via Finass Insures?

As an independent advisor, we compare more than 30 Dutch insurers and know the key considerations for your Smart. Not a comparison site, but a real advisor.

  • 30+ insurersBroad comparison for the best premium
  • Within 2 minutesPremium calculated based on license plate
  • Knowledge of every Smart modelAlso electric models
  • Personal adviceAvailable 6 days a week

What our customers say about their Smart

Customers rate Finass Verzekert on average with a 9.5 and the handling of car damage with a 9.8.

9.5
Customer review
9.8
Claims handling

“Mijn Smart wilde ik goed en voordelig verzekerd hebben. Finass regelde het snel en dacht mee. Prettig persoonlijk contact.”

E
Elsbeth D.
WA + Casco — Smart

“Voor mijn Smart zocht ik een passende polis. Het advies over WA+ versus All-risk was helder en eerlijk.”

G
Griet D.
All-risk — Smart

“Finass vergeleek meer dan 30 verzekeraars en vond de scherpste Premium voor mijn Smart. Snel geregeld.”

H
Hilde D.
All-risk — Smart

“Change met mijn Smart was zo geregeld. Scherpe premie en een vast aanspreekpunt.”

J
Jantien D.
WA + Casco — Smart

Related car insurance

View the insurance that suits your Smart and your situation.

Car insurance →

Compare Third-Party Liability, Third-Party Liability Plus, and Comprehensive insurance for your car.

Elektrische Car insurance →

Coverage for battery, charging cable, and charging station.

Tweede Car insurance →

Discount on the insurance for your second car.

Jonge Director →

Favorable coverage for young drivers.

Leaseauto verzekering →

Own coverage for your financial or operational lease.

Private lease verzekering →

Additional coverage on top of your private lease contract.

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Already insured and damaged?

Report your damage immediately, or consult your insurer's policy conditions and forms. In the event of damage, calling us is the fastest way. 072 - 509 24 56.

Ready to your Smart to insure?

Calculate your premium and discover with which insurer your Smart is well and affordably insured. Personal and independent advice from Finass Verzekert.

Damage on the road? Emergency line 24/7: 06 - 55 20 40 72