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lease car insurance vergelijken & save immediately

Regel precies de Coverage die uw leasecontract vereist — vaak All-risk, with GAP or purchase value coverageCompare more than 30 Dutch insurers and calculate your premium by license plate within 2 minutes. Independent advice from Finass Insures — AFM registered en Kifid-aangesloten.

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Leaseauto verzekering vergelijken bij Finass Verzekert

What is lease car insurance?

A lease car insurance is the car insurance for a leased car. Whether you have to arrange this yourself depends on the type of lease. At operational lease the insurance is usually already included in the monthly amount. With Financial lease bent u economisch eigenaar en sluit u zelf A verzekering af — vrijwel altijd All-risk, because the leasing company requires it. With some private lease contracts, you also arrange or supplement the coverage yourself.

Bee Finass Insures vergelijken wij meer dan 30 Nederlandse verzekeraars zodat u exact de dekking afsluit die uw leasecontract voorschrijft — tegen de scherpste premie. Wij letten op de eisen van de leasemaatschappij, zoals verplichte All-risk en een GAP or purchase value coverage, and on useful additions such as passenger insurance and lowering your deductible.

Do I have to insure my leased car myself?

With operational (business) lease, insurance is usually included; in this case, you primarily want additional coverages such as passenger insurance. With financial lease and some private lease contracts, you arrange the insurance yourself, and mandatory comprehensive coverage often applies. We provide independent advice on what is needed in your situation.

Which coverage suits your lease car?

For a lease car, too, you can choose from Third-Party Liability (WA), Third-Party + Limited Comprehensive, and All-Risk (fully comprehensive). With leasing, the choice is often already determined: many lease contracts require at least All-Risk coverage for the entire term.

BASIC

Third-party liability insurance

Legally required minimum

De wettelijk verplichte basisdekking. Alleen toegestaan als uw leasecontract dit toelaat — meestal bij een oudere financial-lease Auto met lage dagwaarde.

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

Third-Party Liability + Limited Cover

For financial lease, middle class

In addition to third-party liability coverage, also protection against external damage to the leased car. Permitted if the lease contract does not require full comprehensive coverage.

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

Often required by the leasing company

De meest complete dekking — volledig casco, ook bij eigen schuld. Voor de meeste leasecontracten verplicht en aan te vullen met GAP or purchase value coverage.

Everything from WA+ plus:
  • Damage caused by one's own fault
  • Vandalism
  • Unknown cause
  • Total loss payout
  • Collision damage
Bereken All-risk-premie →
Lease car insurance comparison: Third-Party Liability, Third-Party + Limited Comprehensive, and All-Risk
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
Replacement value/purchase value coverage
Recommended forOlder financial leasefinancial leaseMost lease contracts

Additional coverages for your lease car

Stel de verzekering van uw Lease car compleet samen met deze veelgevraagde modules — afgestemd op de eisen van uw leasecontract.

GAP / purchase value coverage

Dekt bij total loss of diefstal het verschil tussen de uitkering (dagwaarde) en uw openstaande leaseschuld of de aanschafwaarde — voorkomt A restschuld.

Passenger Insurance (SVI)

Vergoedt letsel- en materiële schade van Director en passagiers, ongeacht de schuldvraag — vaak niet standaard in een leasecontract.

Lower deductible

Reduce or waive the deductible charged by the leasing company in the event of damage, so that you pay less or nothing yourself in the event of a claim.

Pechhulp & vervangend vervoer

24/7 roadside assistance in the Netherlands and Europe and replacement transport in the event of damage or repair, if this is not already included in your lease contract.

PREMIUM CALCULATION

What does the premium of your lease car insurance depend on?

The premium for insuring a Lease car depends on personal and vehicle-related factors, plus the requirements of your lease contract (such as mandatory comprehensive insurance). Every insurer charges differently, which means premiums can vary significantly.

By comparing via Finass Verzekert, you can see which insurer insures your lease car most affordably with the right coverage. Those who arrange the insurance themselves instead of through the leasing company often save significantly on the monthly amount.

1
Type Lease car & cataloguswaarde
List value and the requirements of the lease contract
2
Number of claim-free years
With an operational lease, you often do not build that up yourself.
3
Annual mileage
Estimated number of kilometers driven per year
4
Age of chief executive officer
Risk category based on your age
5
Postal code area
Regional theft and collision statistics

Insuring your lease car yourself or switching: this is how it works

Regelt u de verzekering van uw leaseauto zelf (financial lease of aanvullend), dan helpt Finass Insures u de juiste dekking te kiezen die aan het leasecontract voldoet. Heeft u al een eigen polis? Dan kunt u na de eerste contractperiode maandelijks overstappen — wij regelen het zonder dat u onverzekerd komt te zitten.

The 4 steps to switching

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

When can you cancel?

Always check the requirements in your lease contract first: continuous All-risk coverage is often mandatory for the entire term. We tailor the policy accordingly, ensuring you comply with the contract while still saving as much as possible.

Leaseauto verzekeren of overstappen met Finass Verzekert

Frequently asked questions about lease car insurance

All the answers to the most frequently asked questions about insuring a lease car, lease types, GAP coverage, and premiums at a glance.

Do I have to insure my leased car myself?

That depends on the type of lease. With operational (business) lease, insurance is usually included in the monthly payment. With financial lease and some private lease contracts, you take out car insurance yourself, almost always comprehensive (Allrisk). We provide independent advice on what is needed in your situation.

What is the difference between operational, financial, and private lease in terms of insurance?

With operational lease, the leasing company is the owner and insurance is usually included. With financial lease, you are the economic owner and arrange the insurance yourself. Private lease is for private individuals; sometimes insurance is included, sometimes you supplement it yourself with, for example, passenger insurance or a lower deductible.

Is comprehensive insurance mandatory for a lease car?

For most lease contracts, especially financial leases, the leasing company requires uninterrupted All-risk coverage for the entire term. Only for an older car with a low value does the contract sometimes allow for lower coverage. Always check the requirements in your contract; we tailor the policy accordingly.

What is GAP coverage and do I need it?

GAP or purchase value coverage reimburses the difference between the payout based on current market value and your outstanding lease debt or the original purchase value in the event of total loss or theft. Without this coverage, you could be left with a residual debt. GAP is therefore highly recommended for a leased car.

Do I build up claim-free years with a lease car?

With operational lease, the leasing company is often the policyholder, meaning you do not accrue any no-claims years yourself. With financial lease and your own policy, you do accrue them. We look at how you can best utilize or retain your accumulated no-claims years.

Can I lower the deductible on my lease car?

Yes, you can often reduce or waive the deductible applicable in the event of damage through an additional module. This way, you pay less or nothing yourself in the event of a claim. We will show you with which insurer this is most favorable.

Am I insured abroad with my lease car?

Yes, Dutch car insurance policies offer standard coverage throughout the European Union and neighboring countries such as Switzerland, Norway, and the United Kingdom. For business use, check whether the lease contract imposes additional requirements for trips abroad.

How much does it cost to insure a leased car?

The premium depends on the list price, the required coverage (often All-risk plus GAP), your claim-free years, and your situation. Those who arrange the insurance themselves instead of through the leasing company often save significantly. Calculate your premium using the tool for an up-to-date figure.

Persoonlijk advies over uw leaseauto verzekering bij Finass Verzekert
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Why insure your lease car via Finass Insures?

Als Independent advisor vergelijken wij meer dan 30 Nederlandse verzekeraars en zorgen we dat uw polis voldoet aan de eisen van het leasecontract — inclusief Allrisk en GAP. Geen vergelijkingssite, maar een echte adviseur.

  • 30+ insurersBroad comparison for the best premium
  • Within 2 minutesPremium calculated based on license plate
  • Complies with your lease contractAll-risk, GAP, and deductible arranged
  • Personal adviceAvailable 6 days a week

What our customers say about their lease car insurance

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

9.5
Customer review
9.8
Claims handling

“Mijn financial-Lease car zelf verzekerd, inclusief GAP-dekking. Precies wat de leasemaatschappij verlangde.”

R
Roel M.
Allrisk — Financial lease

“Duidelijk uitgelegd wat ik Bee operational lease wel en niet zelf moest regelen. Erg behulpzaam.”

W
Wendy K.
All-risk — operational lease

“All-risk was verplicht bij mijn lease; Finass vond de scherpste premie die daaraan voldeed.”

H
Hicham B.
Allrisk — Lease car

“Dankzij de aanschafwaarde- en GAP-Coverage zit ik goed bij total loss. Netjes geregeld.”

C
Carola D.
All-risk — lease + GAP

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Ready to your Lease car easy to insure?

Bereken nu uw premie en regel precies de dekking die uw leasecontract eist — Allrisk, GAP en aanvullingen. Geen verplichting, binnen 2 minuten geregeld met Personal advice van Finass Verzekert.

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